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Affordable Health Insurance Plans

  • Understanding Health Insurance

Affordability is within reach


While all major medical plans are minimum essential coverage and include coverage for a list of essential health benefits (including preventive services), you still need to understand the differences between plans and how your eligibility for financial assistance plays into finding the right plan for your situation. It's understanding these distinctions before you start shopping that will help you find an affordable plan for your needs.

Important note: Assurant Health Major Medical plans are available during open enrollment or outside open enrollment when you have a qualifying life event that makes you eligible for a 60-day special enrollment period.1 Learn more about qualifying life events


Determine your financial assistance eligibility


Depending on your income, you may qualify for financial assistance that can be applied to a Major Medical plan in the form of a premium tax credit (also known as a premium subsidy) or a cost-sharing reduction.

Check your subsidy eligibility to see if you qualify for financial assistance.


Understand how the right network can help you save


With Assurant Health, you can get access to nationwide networks, including Aetna Signature Administrators® (ASA) PPO, which includes over 1,000,000 doctors and more than 8,000 hospitals across the country, as well as nationally-known facilities and clinics (Not available in Washington and Minnesota).2

This is important because if there is a particular doctor you wish to see (whether because of a specific condition or because it’s someone with whom you've built a health care relationship - like your child's pediatrician), there's a higher likelihood that they'll be participating in a larger network. If they are, you'll get the provider of your choice, you'll receive network discounts and the costs associated with the care will count towards your network deductible and out-of-pocket maximum.3

Learn more about our network difference


Know your plan options so you'll understand what fits best with your budget


When it comes to comparing specific plans, it may seem overwhelming to understand differences between varying deductibles, coinsurance and copays. But it doesn't have to be frustrating. Here are the three things you should keep in mind when you're looking at specific plan details.
  1. Copay plans are a great way to help with day-to-day expenses: If you don't go to the doctor that often, having a copay for an office visit (a set amount for your visit) may be worthwhile if you know you likely won't meet your deductible. Example: if you have an ear infection and you visit a doctor in your network, you'll only pay $35 for the visit when you have a Bronze 002 plan.

  2. A deductible on the higher end can you help you save on your monthly premium: If you're relatively healthy, it may be worthwhile to choose a plan with a higher deductible so that you can better afford the plan's premium. You'll typically find this on bronze, silver and catastrophic plans. Also, many of these plans are HSA-compatible. This means you can set aside pre-tax income for covered health expenses, further allowing you to save on how much you spend on your health care.4

  3. Look for catastrophic plans if you're under 30 or you have a hardship exemption. Catastrophic plans are minimum essential coverage plans under the Affordable Care Act and are available to those who are younger than 30 or those with a hardship exemption. These plans typically have a lower monthly premium, a $6,600 deductible and three in-network primary care visits covered at 100% before meeting your deductible. Talk to an Assurant Health sales expert to see if this is an option that could fit your situation.


Ready to find a health plan that fits your budget?


We make it easy to find the plan that fits your needs:
  • Check your subsidy eligibility. See if you qualify for financial assistance before you apply for a plan.
  • Get a quote today. See and compare plans and prices available in your area.
  • Talk to an Assurant Health sales expert to learn more about plans available in your area and understand your subsidy eligibility. Learn more by calling 800-647-9094.

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Plan limitations and exclusions

These plans include limitations and exclusions

See the general summary of plan limitations and exclusions PDF Icon for more information. If you live in Arizona, see Arizona-specific plan limitations and exclusions PDF Icon.

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 an Assurant Health sales expert.
Disclaimers
  • In Nevada, major medical plans can be purchased year round without a qualifying life event. If you apply without a qualifying life event outside open enrollment, your coverage will begin on the first day of the month after 90 days from the date you applied.
  • Information provided by Aetna Signature Administrators® as of November, 2014.
  • Kaiser Health News, "HMO, PPO, EPO: How's A Consumer To Know What Health Plan Is Best?" August 19, 2014.
  • Assurant Health and its legal entities are not engaged in rendering tax, investment or legal advice. Please see a qualified tax professional for tax advice.
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