top of page

Individual & Family Plans 

PPO HMO HSA

Let's work together

Would you like to discuss your situation over the phone with a local, trusted and experienced independent insurance broker whose best interests align with yours? 

​

If so, please call me so we can discuss your situation and make an informed decision together. Once we determine the best plan for you and/or your family, I will complete your enrollment online with you on the phone ensuring it is done properly and accurately. 

 

Pro Tip - Understanding how to properly apply for the premium subsidy is the hardest part of the entire enrollment process for many. Here is How to Predict Income for Premium Subsidies before enrolling to make everything go much quicker, easier and get the most accurate premium subsidy. 

ACA

2025 Plan Information

​​

All Plans include the 10 Essential Benefits

 

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. 

​

Qualifying for Premium Subsidies may greatly reduce your monthly rates on the Market Place. 

Ambetter

Open Access HMO - No PCP/Referrals Required

Banner/Aetna 

Open Access HMO - No PCP/Referrals Required

BCBSAZ

PCP/Referral HMO - (Health Choice HMO)

Open Access HMO (Focus & Neighborhood Network)

Statewide PPO

Cigna of 
Arizona

Open Access HMO - No PCP/Referrals Required

OSCAR

Open Access HMO - No PCP/Referrals Required

United Healthcare

PCP/Referral HMO 

STM Anchor

Short Term Medical Plans

These Limited PPO plans can provide affordable PPO "gap" coverage for up to 4 months.

​

This is largely because:

  • They do not cover Pre-existing Conditions, Maternity, Preventive Care, or Retail Prescriptions. 

  • These plans are medically underwritten (see Eligibility Questions to qualify)

  • They offer more limited coverage than ACA compliant plans.  

​​

A good option for generally healthy people looking for a Short Term PPO health plan.

(Please review Brochures for both Benefits and Limitations)

Allstate Health Solutions

Short Term Medical Plans 

For coverage up to 4 months

​​

  • Uses the Nationwide Aetna PPO network

  • $50 Copay plus coinsurance for Urgent Care

  • Free Unlimited Telemedicine Benefit

  • Coverage period maximum of $1 Million on Enhanced PPO

 

© 2017 by Michael J Malasnik: AZ Benefits Connection, LLC

DBA Helpyourselfinsurance.com

This website is operated by Michael Malasnik, AZ Benefits Connection, LLC DBA Helpyourselfinsurance.com and is not the Health Insurance Marketplace website. In offering this website, Michael Malasnik is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on the Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at Healthcare.gov  

bottom of page