Pre-65 Health Care Insurance

If you're under the age of 65 and need health insurance, there are several basic options available. We can help you determine the right choice based on your budget and needs.

On-Exchange plans (Affordable Care Act)

These plans are available through the Marketplace. Many people qualify for subsidies based on qualifying factors to help with health care costs. This is typically the first step in finding the right plan, and we’ll guide you through the process step by step.

Off-Exchange plans

If you don’t qualify for a subsidy, you can purchase health insurance directly from a carrier. We can help you compare plans and enroll in one that best meets your needs and budget.

Short-term major medical

Short-term health insurance is designed to bridge gaps in coverage during times of transition. These plans may allow you to:

• Start your coverage fast - as soon as the next day in many cases.
• Drop your coverage without penalty.
• Choose from a range of available deductible amounts.
• Apply for another term of coverage if needed.

Hospital indemnity insurance

Hospital indemnity insurance pays a set amount - per day, per week, per month, or per visit. A more comprehensive plan might feature payments for an ambulance trip, surgery, maternity visit, or increased payments for intense ailments such as stroke or cancer.

As you can see, there are many options with different benefits and payment methods. We’re here to help you through the confusion - contact Stellar Health Agency today.