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PRODUCT HIGHLIGHT: America’s Choice Health Insurance

Updated: Sep 23

It's been awhile since we've offered a new product, and we are excited to have an alternative to high-cost ACA, limited short-term medical (STM) policies and expensive Small Group plans. In the past the alternative was a STM in states that allowed them. However, those are becoming obsolete due to new federal regulations making them even more difficult to get and keep.



WHO MAY LIKE THIS INSURANCE 

  • Clients in Illinois who are losing STM products 

  • Clients in Colorado who have never had STM products available 

  • Self-employed small businesses are ideal 

  • People who don’t qualify for a subsidy on the Marketplace may pay less 

 

The new product, America’s Choice, is permanent insurance. There is no need to renew the plan or change it – only during Open Enrollment or a Special Enrollment Period.  Also, the plans are less expensive than other types of plans. 


They are a hybrid between Group, Marketplace/Individual and Short-Term Medical plans with attributes from all three.  


Key Points:  

  • There are two broad PPO networks available 

  • There are 12 plan choices including HSA and limited benefit options 

  • This is not for everyone - like some insurance coverage, there is underwriting in the form of 11 medical questions, and you can be denied  

  • This is considered Minimum Essential Coverage including preventive and maternity care 

  • This is permanent insurance – no specific enrollment periods and can enroll anytime 

  • Ideal for small business owners or licensed professionals 

  • Not available in CA, OR, NH, VT and WA 


For quote, visit America's Choice. Or, email us to request more information.

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