Individual & Family Plans
ACA/Obamacare and
Private Health Insurance
How may I help you?
Due to massive changes in all aspects of our healthcare system, many will face hard decisions this Open Enrollment: Nov 1 through Dec 15th for Jan coverage or until Jan 15th for Feb coverage eff dates.
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I have listed available coverage options in descending order from Most Expensive and Comprehensive
to Least Expensive and Least Comprehensive.
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Private Health Insurance offers both Medically Underwritten and Guaranteed Issue Limits.
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Please review my available coverage options and call me to discuss and enroll in the best option for you.
ACA/Obamacare
​​​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.
Be Prepared!
News for 2026 Open Enrollment
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Banner Aetna is cancelling all policies in AZ effective 01/01/26.
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BCBSAZ is cancelling all PPO plans in AZ effective 01/01/2026.
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Rates are going through the roof!
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Premium subsidies are greatly decreasing or going away for many.
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The Marketplace will now require documentation (proof) of income for many.
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If you are "Generally Healthy" this may be a good time to look into different types of Private insurance coverage. I offer three very different types of policies.
(Guaranteed Issue Limits also available)
2025 Plan Info unless indicated as 2026
Ambetter
BCBSAZ
Cigna
OSCAR
United Healthcare
Private Health Insurance
Is not ACA Compliant
Short Term Medical
Basic PPO Coverage
3 year Rate Locks available
Up to $5 Million Benefit Limits
Nationwide PPO Networks
"Catastrophic" Plans available
Simplified Health Questions
(Covered Pre-Existing conditions
have a 12 month waiting period)
Hospital & Medical
Indemnity Plans
Very Affordable & Stable Rates
3 year Rate Locks available
Pays fixed amount on claims
Nationwide PPO Networks
Simplified Health Questions
& Guaranteed Issue Limits
(Covered Pre-Existing conditions have a 12 month waiting period)
Cash to you Policies
Critical Illness - Heart Stroke Cancer
Very Affordable & Stable Rates
Pays Lump Sum Cash claims
Use Cash on anything you wish
From $5K to $75K Cash Benefit
Simplified Health Questions
& Guaranteed Issue Limits
(Simple - Make an eligble claim
and cash the check)
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.
(Guaranteed Issue Limits also available)
Short Term Medical Plans
These Limited PPO plans provide Affordable PPO coverage for up to 3 years.
(Often only a fraction of the cost of ACA Marketplace Plans!)
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This is largely because:
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These plans have Simplified Medical Underwriting (see Medical Questions to Qualify)
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Covered Pre-Existing conditions have a 12 month Waiting Period.
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They offer more limited coverage than ACA compliant plans.
Allstate Health Solutions
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Uses the Nationwide Aetna PPO network
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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
A good option for Generally Healthy people looking for Affordable PPO health coverage.
(Please review Brochure for both Benefits and Limitations)
Hospital & Medical Indemnity
These First Dollar - Fixed Benefit policies are less expensive than Short Term Medical Plans.
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These plans have Simplified Medical Underwriting to qualify and (Guaranteed Issue limits)
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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. NO HMO Prior Authorization.
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Easy to Use & Understand. (What you see is what you get)
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Extremely Stable Rates - 3 year Rate Locks available
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A good option for Generally Healthy people looking for Very Affordable coverage.
(Please ask me for plan information and rates)
Cash 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.
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These plans have Simplified Medical Underwriting to qualify and (Guaranteed Issue Limits)
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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
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A good option for people looking for Very Affordable coverage for the "Big Stuff".
(Please ask me for plan information and rates)