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Flexible Health Insurance Solutions

Major Medical Health Insurance

A type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured. Most major medical health insurance plans under the Affordable Health Care Act (ACA) offer 10 essential benefits that all plans must have (deductibles, out of pocket limits, RX, Maternity etc). These types of plans usually have no medical underwriting and can only be written during “open enrollment” or a “special enrollment period”.

Short Term Major Medical Insurance

This type of insurance for a specified period of time, normally ranging from 1-11 months. Short term plans typically do not cover any pre-existing medical conditions and require some sort of medical underwriting.

Limited/Fixed Benefit Plans

A type of plan with reduced benefits. These types of plans are not typically required to provide the same level of coverage as a major medical plan. Limited/Fixed plans will limit the amount of coverage the company will pay per episode of illness or accident. This type of plan has a cap on coverage when that cap is reached the insured is responsible for the balance of the bill.

Medshare Program / ObamaCare Alternative

Medsharing is a form of Medical sharing where a client pays a monthly premium. The premium is put into an escrow account and claims are paid less the Members Shared responsibility amount. These are generally faith based insurance and give you exemption from “uninsured tax penalty”.

Group Health Insurance

Group medical coverage refers to a single policy issued to a group (typically a business with employees, although there are other types of groups that can get coverage) that covers all eligible employees and sometimes their dependents.

Self-Employed Health Insurance

However, your health coverage does more than just provide you the ability to get medical care. It also limits your financial liability for injuries and accidents that have the potential to put you and your business into bankruptcy. We’ve provided some health insurance money saving tips and strategies for the self-employed.

Life Insurance

Life insurance policy is a contract where the insurance company provides a lump-sum payment know as a death benefit, to beneficiaries in the event of the insured’s death, in exchange for a monthly premium. Typically life insurance is chosen based on the needs and goals of the owner.

Affordable Care Act (ACA)

If you are considering an Affordable Care Act (ACA) plan through the government website, we’ve created a brief tutorial that walks you through the information they ask, finding a plan and creating an account.

Critical Illness/Critical Care

Is an insurance product where the insurance company typically makes a lump sum cash payment to the policyholder for a diagnosis of a critical illness in exchange for a monthly premium. The most common critical illness are heart attacks, cancer, or stroke. These policies are great to supplement higher deductibles or help with outside bills incurred while recovering.

Accident Coverage

Is typically a lump sum cash payment to an insured when an accident happens. Accident coverage is great to help supplement deductibles and also help with bills incurred during recovery.


Dental insurance is designed to pay a portion of the costs associated with dental care. Dental policies come in all different forms. Generally, dental policies cover up to a max of $1500/year.


Vision insurance is a type of insurance that entitles you to specific eye care and benefits defined in the policy.

Medicare Supplement

Refers to various private health insurance plans sold to supplement medicare in the United States. The two types of supplement plans are medigap and medicare advantage.