Individual & Family Plans
ACA/Obamacare and
Private Health Insurance
How may I help you?
I offer both ACA/Obamacare plans on the Marketplace, as well as Private Health Insurance policies for Individuals and Families.
​
Please use my site for good reference information and research, but do reach out to me to discuss your specific situation and options. Contact Me
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.
(Click the County Name on the map)
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 Plans
(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 Plans
(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 Plans 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!)
​
This is largely because:
​
-
These plans have Simplified Medical Underwriting (see Medical Questions to Qualify)
-
Covered Pre-Existing conditions have a 12 month Waiting Period.
-
They offer more limited coverage than ACA compliant plans.
Allstate Health Solutions
​​
-
Uses the Nationwide Aetna PPO network
-
3 year Rate Locks available. (No Rate Increases!)
-
Free Unlimited Telemedicine Benefit
-
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.
​
-
These plans have Simplified Medical Underwriting to qualify and (Guaranteed Issue Plans)
-
​Covered Pre-existing Conditions have a 12 month waiting period.
-
See any Provider or use PPO Network for Discounts.
-
NO deductibles to meet.
-
Extremely Stable Rates - 3 year Rate Locks available
​​​
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.
​​​
-
These plans have Simplified Medical Underwriting to qualify and (Guaranteed Issue Plans)
-
Use for medical bills, loss of income, alternative treatments or even the vacation of a lifetime...
-
From 5K to 75K Cash Benefit limits available
-
Extremely Stable Rates
​​
A good option for people looking for Very Affordable coverage for the "Big Stuff".
(Please ask me for plan information and rates)