Packaged Health Insurance

Coverage costs 70% less than ACA *

* Packaged health insurance plan options are not compliant with the Affordable Care Act.

Health insurance has gotten expensive.

But it isn't worth remaining uninsured.

Packaged health insurance plans like short term health insurance and accident protection are becoming popular ACA alternatives. With plans offering up to 6 months of ongoing coverage and no enrollment deadline, it’s no wonder people want it.

Plans have significantly lower premiums than major medical, but that’s mostly because they are medically underwritten and don’t have to cover essential health benefits like mental health and pregnancy.

57% of Americans have less than $1,000 in their savings accounts *.  Packaged health insurance plans are designed to protect you from unexpected medical expenses. You can enroll today and have a policy in your name tomorrow. What are you waiting for?

* 2017 GOBankingRates survey.

    PACKAGED          vs   Major Medical

6 month max length
Plans may be kept in place indefinitely
Medically underwritten
Guaranteed issue
Large PPO networks available
Small PPO networks or HMOs available
Next day enrollment anytime of year
Annual 45 day Open Enrollment Period 

Discover which bundle best fits your needs

  • Catastrophic
  • Basic
  • Standard
  • Complete

Short Term Medical

Designed to cover major unexpected medical bills—short term medical plans were originally designed to cover temporary gaps in major medical coverage but now with renewable terms you can have consecutive coverage for up to 6 months.

  • Flexible deductibles from $1,000 to $12,500
  • Lowest premium

How do I know if packaged health insurance is right for me?

  • check
    Find ACA plans to be unaffordable
  • Waiting for Medicaid approval from the marketplace
  • Uninsured and don't have a qualifying life event 
  • Looking for a low-cost alternative to COBRA
  • check
    Seeking a catastrophic health insurance option
  • check
    Ineligible for major medical coverage
  • check
    In-between jobs
  • check
    Kicked off parent’s policy (recently turned 26)

Coverage Options for Everyone

These plans can be paired with a major medical plan, short term medical plan, or even stand alone. Whether you're looking to curb the costs of your high deductible health plan or just find ACA plans to be unaffordable — you have options:

Short Term

Short term medical plans are accessible year round and even offer next day effective dates for up to 6 months of consecutive coverage.


An accident can happen anywhere, but the nearest treatment may be out of network. An accident plan can help cover out of network costs.

Health protector guard

Hospital stays can be expensive. HPG covers expenses from a hospital stay, surgical services, ambulances, labs and x-rays to help lower your out-of-pocket costs- regardless of having health insurance.

critical illness

Even with health insurance, a critical illness can be financially devastating. Having a critical illness plan can ease the financial strain of an unexpected diagnosis. 


Get answers right now in by opening a live chat room. Just click the talk bubble in the right hand corner of your screen to get started. If you prefer to speak one of our licensed agents over the phone, submit the form below and you'll hear from us within 24 hours.

Enroll online in minutes

We believe accessing benefits should be simple and  fast. From quote to card, even your payments can be processed online. You can enroll in multiple benefits with a click of a button. Watch the video to see how it's done. 


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