Individual & Family Plans

Special Election Period enrollments

now being accepted. 

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. 

Now offering coverage up to 3 years!

New and more comprehensive plan options

If you are generally healthy, and don't need or want the most comprehensive coverage, these plans can be a very good and much lowest cost option to consider. 

 

Ambetter

Offering even more Silver Plan Options in 2020

BCBSAZ

BCBSAZ is back in Maricopa County with a new Focus Network

Bright Health

New plans and added benefits for 2020

Cigna of 

Arizona

Now offering several new plans to choose from in 2020

OSCAR

Many new plan options available in 2020

Search Providers

2020 Plan Brochure

Phone app Video

 

Short Term Medical Plans

Are NOT ACA Compliant - Learn more here

These basic plans are often less than 50% the cost of ACA/Obamacare plans.

 

This is largely because:

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

                               (*Limited generic drug coverage and preventive services only available on select new plans)

  • 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 more basic health plan.

Please review Brochures for both Benefits and Limitations

National General Insurance

Now offering coverage up to 3 years! *

*1 day less than a full 3 years

  • Uses the Nationwide Aetna PPO network

  • $50 Copay plus coinsurance for Urgent Care

  • Free Unlimited Telemedicine Benefit

  • Coverage period maximum of $1 or $5 million

  • Eligible Expenses for Pre-Existing conditions are covered after 12

      months on the plan. 

 

United Healthcare

Now offering coverage up to 3 years!*

*1 day less than a full 3 years.

More Comprehensive Benefit Options to include:

  • Uses their Nationwide Choice PPO network

  • Preventive Care (certain restrictions apply)

  • Dr. and Urgent Care Copays - available

  • Limited Generic Rx coverage - available

  • Coverage limits $2 million life time maximum per person

  • Eligible expenses for Pre-Existing conditions are covered after 12 months on the plan 

 

  • Uses their Nationwide Choice PPO network

  • $75 copay for Urgent Care

  • Coverage limits up to $2 million per term

Short Term Policies  

For coverage between 30 and 364 days

© 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