New Health Insurance Plans: Finding the right health insurance can be challenging, especially for those not qualifying for government-subsidized plans under the Affordable Care Act (ACA). Many individuals, families, and small business owners struggle with high premiums and limited options. HealthPlus now offers off-exchange (non-ACA) health insurance plans that provide affordable, flexible, and comprehensive coverage to address this issue.
These plans give individuals more control over their healthcare choices without the restrictions of ACA regulations. Whether for self-employed professionals, business owners, or families looking for better coverage, these plans offer a practical alternative to traditional health insurance. Understanding how they work and the benefits they provide can help in making an informed decision.
Major Medical Plans: Comprehensive Protection with Flexibility
Our Major Medical plans are tailored to individual and family needs that require broad health coverage. These plans include:
- Offering flexible deductibles ranging from $2,500 to $8,300 allows various worth options.
- Health Savings Account (HSA) compatibility will enable policyholders to save money for tax-free medical expenses.
- Coverage of preventive care, hospital services, and specialty visits.
Why Limited Visit Plans Are Gaining Popularity
Limited Visit Plans have become a top choice for those seeking structured and affordable coverage. These plans offer:
- Up to $1,000,000 in annual coverage to ensure financial protection in medical emergencies.
- Low deductibles range from $0 to $1,500, making them more accessible to those looking for cost-effective healthcare solutions.
- A set number of doctor visits and essential medical services are covered, providing predictability in healthcare costs.
Role of Health Savings Accounts (HSA) in Major Medical Plans
An HSA is the best and most valuable instrument for distributing costs concerning health care. An HSA paired with a high-deductible Major Medical plan provides the following benefits:
Tax Benefits: Contributions are not taxed, and withdrawals for medical expenses are tax-free.
Long-Term Savings: Unspent funds roll over year after year, allowing savings accumulation for future needs.
Flexibility: HSA dollars can be spent on prescriptions, dental care, vision, and other qualified medical expenses.
Who Can Benefit from These New Plans?
Our new insurance options are tailored to individuals who don’t qualify for ACA subsidies but still need comprehensive and cost-effective health coverage. These plans are ideal for:
- Self-employed individualslooking for customizable health insurance options.
- Small business ownerswho need affordable plans for themselves and their employees.
- Families without ACA subsidieswho want to secure quality healthcare at competitive rates.
- Young adultsseeking structured yet affordable insurance coverage without ACA limitations.
A New Chapter for HealthPlus
With the new health insurance options, HealthPlus is committed to making coverage more straightforward and flexible for those needing it most. For self-employed individuals, business owners, or families without ACA subsidy support, our Major Medical and Limited Visit Plans offer real options for your healthcare needs. Look for more news as we expand our product and access affordable health insurance.
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