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ASK THE MEDICARE GUYS
INDIVIDUAL & FAMILY HEALTH INSURANCE
Coverage that fits your family — not the other way around.
We compare ACA Marketplace plans, fixed benefit indemnity, short-term coverage, and everything between — from every major carrier — so you get an honest recommendation, not a sales pitch. Licensed, independent, family-run since 2018.
· No cost to work with us
· Independent — not tied to one carrier
· Licensed in TX, OK, AR, CO, MO, OR, TN, VA, HI, CA, NC, NV
WHAT WE OFFER
Several paths to coverage — we'll help you find the right one.
There's rarely just one size fits all. Between the Marketplace, short-term plans, fixed benefit indemnity, and employer-group coverage for business owners, most families have more than one way to get covered — and the right fit depends on income, timing, and health history.
Availability varies by state. Not every plan type, carrier, or benefit level shown here is offered everywhere we're licensed (TX, OK, AR, CO, MO, OR, TN, VA, HI, CA, NC, NV). We'll confirm exactly what's available where you live before you apply.
MAJOR MEDICAL
ACA Marketplace Plans
Full medical coverage through the Affordable Care Act (ACA), covering pre-existing conditions, preventive care, and predictable annual costs. Subsidies can significantly lower your monthly cost depending on income — we'll help you find the plan that balances premium and out-of-pocket costs best for your household.
SUPPLEMENTAL
Fixed Indemnity Plans
Pays you a fixed cash amount per visit, procedure, or hospital stay — regardless of the actual bill. A low-cost way to add a safety net on top of any plan or bridge a short gap.
This could be a great option to consider if you do not qualify for ACA subsides and do not have major pre-existing conditions.
Plan designs, benefit amounts, and premiums for short-term and fixed indemnity plans are underwritten products that vary by carrier, state, age, and health history.
OWN YOUR BUSINESS? DON'T QUALIFY FOR A SUBSIDY?
You may not need the Marketplace to get real employer-group coverage.
If your income is too high for ACA subsidies, full-price Marketplace premiums can be rough. If you own your business and have a valid EIN — even a single-person operation — you and your household may qualify for a true employer group health plan (not a marketplace or individual plan) on the Cigna PPO network, with seven tiers from Value through Diamond. Call us today to see if you qualify.
Note: 1099 contractors without an LLC or EIN don't qualify — but if you've formed a business entity, this is worth a look.
TURNING 26 SOON?
60
days
Aging off your parents' plan doesn't mean going without coverage.
The day you lose coverage under a parent's plan, the clock starts on a 60-day Special Enrollment Period — no waiting for Open Enrollment. Most people this age are surprised by how little a good plan actually costs.
60-day window starts the day your old coverage ends
Many 26-year-olds qualify for real subsidies based on income
We'll walk you through your options in plain language, so you understand exactly what you're buying
We'll get you enrolled before the gap happens, not scrambling after
UNDERSTANDING FIXED INDEMNITY
Fixed Indemnity vs. Major Medical — how they actually pay.
These aren't competing products — they solve different problems. Major medical covers pre-existing conditions, caps your out-of-pocket costs, and prices are based on deductibles and co-insurance. Fixed indemnity plans work differently: they pay you directly, in cash, for a specific medical service — no deductibles, no co-insurance, no annual maximums.
Both have real advantages. The right direction depends on your health needs and your budget — we'll help you figure out which one fits.
Major Medical (ACA)
✓ Pays a percentage of covered costs after deductible, up to your out-of-pocket maximum.
✓ Uses an HMO or PPO network; in-network care costs less, though some states don't offer PPO options at all.
✓ Designed to cover pre-existing conditions — you can't be declined for coverage.
✕ Deductibles and coinsurance still apply and can add up fast; networks can be limiting.
✕ remiums are tied to your income and require yearly renewal to stay accurate — must be reported with your taxes.
Fixed Benefit Indemnity
✓ First-dollar coverage upon your effective date — no deductibles or waiting periods, and pays a fixed dollar amount.
✓ No network — freedom to use any doctor or facility.
✓ Pays you a set cash amount per covered event, regardless of the actual bill.
✓ Premiums aren't tied to income and renew automatically each year — no annual reporting required.
✕ Not major medical on its own — it's a supplement, and each plan is medically underwritten. Does not cover pre-existing conditions.
HOW WE BUILD IT
On its own, no single fixed indemnity plan replaces major medical. That's why we bundle.
We layer several fixed-benefit plans together — accident coverage, a lump-sum cancer policy, a hospital confinement policy, and specified disease coverage — to build a more complete safety net around the gaps major medical leaves open. Each piece pays its own cash benefit for its own kind of event, so the combination covers far more ground than any one plan alone.
Accident Plans
Cash benefits for ER visits, fractures, and injury-related care.
Lump Sum Cancer
A single cash payout on diagnosis, to use however you need.
Hospital Policies
Daily cash benefit for each day of a covered hospital stay
Specified Disease
Targeted coverage for conditions major medical often leaves underfunded.
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