Health Insurance

Choose the perfect plan

Your Options

1.  Affordable Care Plans – Depending on the county you live will determine the companies that offer plans.  ACA plans are guaranteed issue, guarantee re-issue, pre existing conditions are accepted, no health questions.  The primary restriction for these plans is when you can sign-up,  most sign-up during the fall open enrollment, special enrollment opportunities do exist.  These plans can be on the expensive side but depending on your income you may qualify for assistance.
2. Short Term plans –   These plans are not guarantee issue, not guarantee re-issue. They do not cover pre-existing conditions, reproductive services, mental health, or substance abuse.  If you do not need those services they work just like ACA plans, but the cost is about half of an ACA plan.  Health insurance for healthy people does not cost that much.
3. Religious plans – These plans are progressive coverage, they cover more the longer you have them, with full coverage on the 25th month.  Pre-existing conditions being the primary accepted coverage at 25th month, other than that they work pretty much like a ACA plan.  Good coverage at about 3/4 the cost of ACA plans.
4. Small business Groups – If you have a business that pays 2 people on a W-2 this is an option for you.  IF your company meets that minimum requirement or you can meet that requirement move over to the SMALL BUSINESS GROUP menu for additional information.

Affordable Care Act (ACA) plan examples

All examples are mid range plans for a 40 year old male in Austin.

$443.97

Per month

• Blue Cross Blue Shield – Blue Advantage Plus 306
• $2,000 deductible
• $7,900 max out of pocket
• 50/50 co-insurance
• $25 doctor visit

Plan Details

$378.57

Per month

• Oscar Classic Silver
• $4,400 deductible
• $7,900 max out-of-pocket
• 70/30 co-insurance
• $50 doctor visit

Plan Details

Short Term plan examples

All examples are mid range plans for a 40 year old male in Austin.

$179.03

Per month

• United Health Care – Short Term Medical Plus Select A
• $5,000 deductible
• $5,000 max out of pocket
• 80/20 co-insurance
• Doctor visit not covered

Plan Details

$275.44

Per month

• National General
• $5,000 deductible
• $5,000 max out-of-pocket
• 80/20 co-insurance after ded
• 20% Doctor Visits after ded.

Plan Details

Religious plan examples

All examples are mid range plans for a 40 year old male in Austin.

$286

Per month

• AleriaCare Value – This plan is for the person that goes to a Dr maybe once a year, ACA like
• 100% Wellness and Preventive
• 100% Telemedicine
• Hospitalization included
• $20 Primary Care
• pre-existing conditions have a 24 month waiting period

Plan Details

$404

Per month

• AleriaCare Premium – This plan is their most comprehensive, more coverage than ACA plans
• $5,000 deductible
• $4,000 max out-of-pocket
• 80/20 co-insurance
• $30 doctor visit
• pre-existing conditions have a 24 month waiting period

Plan Details

$332

Per month

• Aleria InterimCare – This plan is Short Term similar with more coverage
• $2,500 MSRA 80/20 Co-expensice $5,000 OOP
• Wellness & Prevention – NOT Eligible
• 100% Telemedicine
• Hospitalization included – after MSRA
• Specialty Care – after MSRA
• pre-existing conditions have a 24-month waiting period

Plan Details

$289

Per month

• AleriaCare Plus Advantage – This plan is a catastrophic coverage
• $5,000 deductible
• $4,000 max out-of-pocket
• 80/20 co-insurance
• $30 doctor visit
• pre-existing conditions have a 24 month waiting period

Plan Details