Your Guide to Health Care Reform

Learn more about the health care reform changes
that may affect your health plan options.


Health Care Reform – Purchasing Guide for Individuals and Families

Use this series of questions to help better prepare you and your family for the health care reform changes that may impact your purchasing decision. A lot of health care reform changes will have the most impact on plans in 2014 and beyond.

Note: Outside open enrollment, you can only purchase an Assurant Health Major Medical plan if you have certain life events (ex. loss of health insurance, marriage, birth or others) that give you a 60-day special enrollment period.1

What options are available?

Plans with full health care reform benefits

Other health plans

What are your health care needs?

I’m healthy – I just want protection for me and my family

I need coverage for a pre-existing condition

I'm looking for Dental or other supplemental plans

Additional consideration:

What’s your budget?

Assurant Health offers Major Medical plans that meet the requirements of the health care reform law.
These plans meet Minimum Essential Coverage requirements and you will not be subject to a tax penalty if you maintain coverage through 2014.

Also, these plans are offered to everyone, regardless of health status, and include essential health benefits and other features under the health care reform law (Affordable Care Act).

Learn more about these plans
Get a quote to see the plans available in your state.

Also, financial assistance may be available for some.
Subsidies (available to those that are eligible) may help lower the cost of plans purchased through your state’s marketplace. Learn more about these subsidies or see if you qualify for a premium subsidy.

Assurant Health offers other health insurance plans.
Major Medical plans may not be right for everyone. For some, Short Term Medical or Fixed-Benefit plans might be a better fit.

Short Term Medical Insurance: Coverage provided for “what ifs” like cancer, heart attack, accident or injury.

Fixed-Benefit Insurance: A different kind of insurance – the plan pays a set cash amount to help with everyday medical expenses like doctor visits and lab visits.2

Learn more about these plans
Get a quote to see the plans available in your state.

These plans do not meet Minimum Essential Coverage requirements and you may need to pay a tax penalty depending upon your income level and the cost of plans available.

Various types of health insurance plans may fit your needs.
Assurant Health offers three different types of health insurance plans for individuals and families:

  • Major Medical insurance: Provides coverage for everyday medical expenses and “what ifs” like cancer, heart attack, accident or injury. Learn more.

Meets Minimum Essential Coverage requirements.

  • Short Term Medical insurance: Coverage provided for “what ifs” like cancer, heart attack, accident injury. Learn more.

Does not meet Minimum Essential Coverage requirements.

  • Fixed-Benefit insurance: A different kind of insurance – the plan pays a set cash amount to help with everyday medical expenses like doctor visits and lab visits.2 Learn more.

Does not meet Minimum Essential Coverage requirements.

Learn more about these plans or get a quote.

Major Medical plans
All major medical plans are now guarantee issue, which means that these plans provide comprehensive coverage for everyone, regardless of health status. Also, your premium will not increase just because you have a pre-existing condition.

Get a quote now for Major Medical plans.

Additional plan offerings

If you’re looking to purchase a dental or supplemental plan (coverage for accidents or critical illnesses), you can add these options onto many Assurant Health plans (Major Medical, Short Term Medical or Fixed-Benefit plans). These offerings vary by state. Learn more about these plans.

Budget considerations

It’s important to consider the total cost of ownership. This includes, but is not limited to:

  • The premium (the cost to own the plan)
  • Leftover amounts not covered by your plan (ex. deductibles, coinsurance, copays for major medical plans or costs exceeding fixed benefits for fixed-benefit plans)
  • Any applicable tax penalties (January 1, 2014 and later)

Understanding the true cost of ownership for any plan will give you a better sense of what you can afford.

Also, keep in mind that there may be differences in plan costs (premiums) on major medical plans depending on your situation and when you need coverage.

Make an Informed Decision

If you still have more questions about health care reform and how it affects you, feel free to browse health care reform topics or talk to a sales expert by calling 800-647-9094.

Looking for a plan right now? Learn more about the Assurant Health plans available for your needs and budget or get a quote now to see pricing for plans available in your state. Use the information you gathered about health care reform to make an informed purchasing decision.

Important Information Regarding Plans Offered:

We want you to understand these plans and the coverage they provide. To help you do that, it's important that you know what is covered by the plans shown here.

General summary of limitations and exclusions for the following plans(summary applies to most states where plans are offered):

For Arizona residents, state-specific limitations and exclusions pertain to the following plans:

As you select a plan, please check the specific benefits, limitations and exclusions listed as these may vary by state. To learn more about these plans, get a quote or talk to your agent.

Is this reform information helpful? Let us know.

1The next open enrollment period starts November 15, 2014 for Assurant Health Major Medical plans with effective dates starting January 1, 2015. In Nevada, 2014 Major Medical plans can be purchased year round without a qualifying life event. Please note: if you apply without a qualifying life event (in Nevada), your coverage will begin with the first available effective date, 90 days from the date you applied.

2These benefits are paid in specific amounts for covered periods without regard to the costs of services rendered. You may have amounts left to pay after your plan pays the fixed benefits.

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Additional Reform Topics

Qualifying Life Events

Subsidy Estimator

Health Insurance Marketplace

Time for Affordability

General Reform Resources

America's Health Insurance Plans

U.S. Department of Health & Human Services

The Henry J. Kaiser Family Foundation

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