Health coverage
Affordable Choice: An ACA Alternative
Affordable Choice is a budget-friendly health plan for people the Marketplace does not fit. It pays set benefits for things like hospital stays and surgery, often for a lower monthly cost than full-price ACA.
The quick version
If you only read one thing, read this
- 1
Fixed cash benefits for covered events, like a set amount per hospital day or per surgery, plus wellness visits.
- 2
A fixed monthly premium based on your age and who is covered. Predictable, with no surprise coinsurance percentage.
The details
The stuff that matters, one piece at a time
Benefits
Fixed cash benefits for covered events, like a set amount per hospital day or per surgery, plus wellness visits.
The honest take
What's good, and where it falls short
The good stuff
- Lower, predictable monthly cost
- A good fit above the subsidy cliff
- Simple to understand
The catch
- Not major medical, so big claims may exceed benefits
- Weaker fit for ongoing conditions
- No subsidy applies
Common questions
What folks ask us most
Keep learning
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The Insurance Hawk
Ready to put Affordable Choice: An ACA Alternative to work?
See the plans and the prices. Or talk it through with a licensed agent who works for you, not the insurance company.