Individual & Family Plans
ACA/Obamacare and
Private Health Insurance
Currently Updating for 2027
How may I help you?
Buying ACA/Obamacare is by far your best defense against huge expenses, current treatments for Pre Existing Conditions and expensive medications. Unfortunately they are becoming too cost prohibitive for many.
Short Term Medical plans are as close to Major Medical - ACA/Obamacare as currently available, offering coverage
up to $1 to $2 Million and use Nationwide PPO networks or even Open Provider plans. Some even offer Rate Locks to keep your premium stable for up to 3 years! However they require Simplified Underwriting to qualify.
Fixed Benefit Plans can really help with most common claims for a far lower premium, and with no deductibles to meet. They are very affordable, easy to use, predictable and even customizable to meet your specific needs. They
are available with both Simplified Underwriting and Guaranteed Issue.
If ACA/Obamacare no longer makes sense for you, let's discuss your Private Insurance options. I offer several different companies and policies in addition to the ones shown on my website. Let's see if we can find something
that makes sense.
To use an analogy...
If you can't afford a fully loaded Cadillac, would you rather drive a Chevy, or walk?
ACA/Obamacare
My NPN number for Healthcare.gov is 6732504
If you are looking for the most comprehensive coverage to include: Pre-Existing Conditions, Prescription Drugs, Maternity, Preventive Care and Mental/Nervous - This is it.
Ambetter
Antidote
BCBSAZ
Imperial
OSCAR
If you are wondering why the Rates, Deductibles and Out of Pocket Maximums are increasing so much, it is largely due to the insurance companies experiencing Adverse Selection. As rates rise, healthier individuals tend to opt for private insurance, mainly Short Term Medical, or choose to go without coverage. This results in a remaining pool of less healthy individuals making claims, which drives rates higher, as there are fewer healthier people paying premiums to offset those claims.
Private Health Insurance
Is not Affordable Care Act Compliant
Rate Comparison for illustrative and conceptual purposes only.
Rating F age 50 NS - Standard rates eff 10/2026 Maricopa
Insurance Policies quoted with Allstate Health Solutions
$569
ACA/Obamacare
$437
Short Term Medical
OSCAR Bronze STD.
3 year Enhanced OPP
$297
Fixed Benefit
Health Access Core
$97
Critical Illness
Cancer+Heart & Stroke
$64
Cash Cancer
Cancer only
$7,500 Deductible
$10,000 OOP Max
$5,000 Deductible
$10,000 OOP Max
No Deductible
Pays Fixed Amount
Pays Fixed Amount
Quoting $75,000
Pays Fixed Amount
Quoting $75,000
For more coverage information and your rates on these types of policies, please see below.
NOTE - I offer several different companies and policies in addition to the ones shown on my website.
Policies may be "stacked" to create customized coverage packages and premiums to meet your specific needs.
Short Term Medical Plans
If you are "Generally Healthy" and do NOT have a history of Heart, Stroke, Cancer or Diabetes in the last 5 years, these plans may be a good option to consider.
These limited plans are as close to Major Medical - ACA/Obamacare as is currently available.
Allstate Health Solutions
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Choose the Nationwide Aetna PPO network or Open Provider Path
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3 year Rate Locks available. (No Rate Increases!)
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Free Unlimited Telemedicine Benefit
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Coverage period maximum of $1 Million on Enhanced PPO or OPP
These limited plans provide Affordable Nationwide PPO or Open Provider coverage for up to 3 years.
This is largely because:
-
These plans have Simplified Medical Underwriting to qualify.
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Covered Pre-Existing conditions have a 12 month Waiting Period.
-
They do Not cover maternity, prescription drugs and have very limited preventive care.
A good option for Generally Healthy people looking for Affordable PPO or Open Provider health coverage.
(Please review Medical Questions to Qualify)
Fixed Benefit Plans
Hospital, Surgical, Medical & Diagnostics
These policies pay a fixed amount for your Dr, Lab, Xray, Radiology, Chemo, Hospital, Surgeries and more with NO deductibles to meet.
If your bill is less than the fixed amount paid, then you keep the difference!
If it is more, then you pay the difference.
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Covered Pre-existing Conditions have a 12 month waiting period.
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See any Provider or use PPO Network for Discounts.
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"Stack" Critical Illness and/or Cash Cancer to increase your total benefits.
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Extremely Stable Rates
A good option for Generally Healthy people looking for Very Affordable coverage.
Critical Illness
Heart/Stroke & Cancer Plans
These are LUMP SUM CASH Payment to you policies. Upon a covered claim,
they simply send you a check to use as you wish.
-
These plans can be purchased as stand alone, or "stacked" with other policies to increase your coverage.
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Use for medical bills, loss of income, alternative treatments or even the vacation of a lifetime...
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From $5K to $75K Cash Benefit limits available
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Extremely Stable Rates
A great way to cover high deductibles and Out of Pocket Maximums, or "stack" with other Fixed Benefit policies to increase your coverage for the "Big Stuff".
Cash Cancer Plans
These are LUMP SUM CASH Payment to you policies. Upon a covered claim,
they simply send you a check to use as you wish.
-
These plans can be purchased as stand alone, or "stacked" with other policies to increase your coverage.
-
Use for medical bills, loss of income, alternative treatments or even the vacation of a lifetime...
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From $5K to $75K Cash Benefit limits available
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Extremely Stable Rates
A good option for people looking for Very Affordable CASH coverage for cancer.
Accident & Hospital Sickness
Create your own personal coverage
These are LUMP SUM CASH Payment to you policies. Upon a covered claim,
they simply send you a check to use as you wish.
Up to $35K coverage Guaranteed Issue
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These plans can be purchased as stand alone, or "stacked" with other policies to increase your coverage.
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Flexible coverage options to include adding Cancer, Heart and Stroke riders.
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Extremely Affordable Rates
A good option to cover high deductibles, stack with other Fixed Benefit Plans or as stand alone coverage.
Create your own personal coverage
Create your own personal coverage
What if you like the rates and benefits of the Fixed Benefit Plans for their Dr, Lab, Xray and Hospital - Surgical coverage, but are still concerned about the really big claims like Heart attack, Stroke or Cancer?
Simple! Add a Critical Illness, and/or a Cash Cancer Plan on top to help cover those large expenses.
What if you want to get the Providers "Cash Pay" discount and pay the provider yourself?
Simple! Buy a Fixed Benefit Indemnity, Critical Illness or Cancer plan that will pay you directly.
What if you have a fixed amount to spend on insurance?
Simple! Tell me how much you have to spend, and I will show you what is available.