Affordable Health Insurance

Understand what makes a plan affordable
for your needs

When most people think of an affordable health insurance plan, the first thing that comes to mind is price. Although price is a significant factor, you need to find a plan that is both affordable and gives you value in the long run.

How Much Will I Pay Up Front?

Each month, you’ll pay a premium for your health insurance plan. This cost provides you with access to the health care system, network discounts, expert advice and reassurance that covered services will be paid for in whole, or in part by the plan. Assurant Health offers a range of health plans with varying monthly premiums.

How Much Will I Pay If Something Happens?

What your plan pays and what you pay if something happens depends on the type of plan you have:

  • Major Medical Insurance: After the monthly premium, what you pay will be based on the deductible, coinsurance and copay options that you select. Major Medical plans offer a range of deductibles to give you broad medical coverage. 

  • With these affordable health insurance plans, you choose whether you'd like to pay less in out-of-pocket expenses (deductible, coinsurance, etc.) and have a higher monthly premium, or possibly pay more in out-of-pocket expenses with a lower monthly premium.

    >>Understand Major Medical insurance expenses
  • Fixed-Benefit Insurance: Assurant Health Access® is a plan that pays fixed benefits and has no traditional deductible, coinsurance or copay options. Instead, this plan pays a set cash amount to help with everyday medical expenses, inpatient hospitalization,1 surgery and more, regardless of the actual cost of services.2

    Although this affordable health plan pays benefits for covered periods without you having to first meet a deductible, you’ll still be responsible for the difference between the provider charge and what the plan pays.

    >>Understand Fixed-Benefit insurance expenses

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):
>>Major Medical Insurance
>>Fixed-Benefit Insurance

For Arizona residents, state-specific limitations and exclusions pertain to the following plans:
>>Major Medical Insurance
>>Fixed-Benefit Insurance

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.

Minimum Essential Coverage requirements vary by plan type. Get a quote to see how these requirements apply to specific plans.

1 Hospital must be an acute care facility.
2 This plan does not pay benefits for conditions related to or caused by a pre-existing condition until you have been continuously covered for 12 months.


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Health Care Reform

Learn more about which Assurant Health plans are available outside open enrollment.

Purchasing outside open enrollment

Learn more about reform

Fixed-Benefit Insurance

Plans that help pay for everyday health care needs with fixed benefits.

Quote Assurant Health Access


Major Medical Insurance

Coverage for everyday medical expenses and “what ifs” like cancer, heart attack, accident or injury.

Quote Major Medical


Temporary Insurance

Choose from 30 to 360 days of short term insurance. Length of coverage available varies by state.

Quote Temporary Insurance


More Plan Options

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