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.

Note: Outside open enrollment, you can only purchase an Assurant Health Major Medical plan if you have a qualifying life event (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 are Minimum Essential Coverage and you will not be subject to a tax penalty if you maintain coverage through out the year.

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.

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

Assurant Health offers other health insurance plans.
If you're not interested in a major medical plan, we have other plan options. For some, Short Term Medical plans might be a better fit.

These plans provide coverage for “what ifs” like cancer, heart attack, accident or injury. Plan length can be for 30 days or up to 360 days (Length of coverage available varies by state).

However, these plans do not cover pre-existing conditions, are not Minimum Essential Coverage and you may need to pay a tax penalty depending on your income level and the cost of plans available.

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

Additional plan offerings

If you're looking to purchase a dental or supplemental plan (coverage for accidents or critical illness), you can add these options onto many Assurant Health plans. These offerings vary by state. Learn more about these plans.

Choose the health insurance plan that fits your needs.

  • 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.

Learn more about these plans or get a quote.

Major Medical plans
Major medical plans do not include pre-existing condition limitations. These plans are now guarantee issue, which means that these plans provide comprehensive coverage for everyone, regardless of health status.

Your premium will not increase just because you have a pre-existing condition, and there will not be any limitations on your pre-existing conditions when you seek coverage.

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. 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 or copays for major medical plans)
  • Any applicable tax penalties

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 an Assurant Health 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 coverage starting January 1, 2015. In Nevada, Major Medical plans can be purchased year round without a qualifying life event. Please note: if you apply without a qualifying life event outside open enrollment (in Nevada), your coverage will begin on the first day of the month, 90 days from the date you applied.

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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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