For most families, ACA plans are still the only way to get broad, comprehensive medical coverage and important protections.

 

However, for some situations I may review limited‑benefit options such as fixed benefit hospital indemnity plans. These plans are not right for everyone: they have exclusions, may not cover pregnancy or childbirth, and can be subject to pre‑existing condition rules. If you’re considering an alternative, we’ll walk through the trade‑offs carefully so you understand what is and is not covered.

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Above are some links for some popular plans, I have few more options, but these are my most popular.  

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One option that I personally use and recommend for my own family is the Allstate Plan Enhancer. It effectively addresses the high deductibles common in both private and employer health plans. You can review the Plan Enhancer Brochure or request a quote if you'd like to explore it. However, because supplemental plans have specific rules, I always prefer to have a quick conversation first to make sure you fully understand both the benefits and the limitations before moving forward.