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Health Insurance (Obamacare)
Qualified Health Plans (QHP) that meet the minimum requirements as set forth by the Affordable Care Act (ACA). Unless you qualify for specific exemptions, you are required to enroll in these plans or pay a penalty.
Short Term Health Plans
Health Coverage For a limited duration of time. Typically, 30 days to 12 months. Designed for individuals and families who need temporary coverage until more comprehensive coverage is available.
Medicare Supplement Plans (Medigap)
Plans offered by private insurance companies for Medicare beneficiaries that cover the gaps in coverage not provided by Original Medicare (Parts A & B) .
Medicare Advantage (Medicare Part C)
Plans offered by private insurance companies to Medicare beneficiaries. These Plans replace Original Medicare and provide coverage for both hospital and medical care.
Medicare Drug Plans (Medicare Part D)
Offered by private insurers, these stand-alone prescription drug plans are available to Medicare beneficiaries. They can also be purchased along with a Medicare Supplement or Medicare Advantage Plan.
Supplemental Insurance Plans
Sometimes also referred to as Gap plans, these plans help with costs not covered by health insurance plans (such as lost wages) that may result due to an accident. These plans will not satisfy the ACA requirement to purchase health insurance.
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