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Health Insurance

We offer a wide range of health insurance options for you to compare and analyze different plans. Our focus is on finding a plan that fits your budget while covering all your medical needs, including hospitalization, surgery, maternity, emergencies, medications, and much more.

Our services are available in 30 states, providing support to families and individuals seeking permanent or temporary health coverage.

Whatever your needs may be, our dedicated team is here to help you find the perfect solution.

Leading solutions for leading insurance advisors.

Shop

Health Insurance

We offer a wide range of health insurance options for you to compare and analyze different plans. Our focus is on finding a plan that fits your budget while covering all your medical needs, including hospitalization, surgery, maternity, emergencies, medications, and much more.

Our services are available in 30 states, providing support to families and individuals seeking permanent or temporary health coverage.

Whatever your needs may be, our dedicated team is here to help you find the perfect solution.

Personalized Solutions

For unique needs.

Short Term Medical
Short Term Medical (STM) plans are temporary health insurance options designed to provide individuals with coverage for a limited duration, typically ranging from a few months to a year. These plans are often chosen by individuals experiencing a gap in their regular health insurance coverage, such as those between jobs, waiting for employer-sponsored benefits to begin, or recent graduates without access to a long-term plan. Short Term Medical plans offer a degree of flexibility, allowing individuals to tailor coverage based on their specific needs and budget. While Short Term Medical plans can provide quick and temporary solutions, it's important to note that they usually offer limited coverage compared to comprehensive health insurance plans. They may not cover pre-existing conditions, preventive care, or certain essential health benefits required by the Affordable Care Act.
Affordable Care Act

Getting health coverage through the Affordable Care Act (ACA) has great benefits. Having so many options to choose from, we make it easy for you to pick a plan that fits your needs and budget. These plans help those with lower incomes by giving them subsidies in the form of tax credits, making these plans very affordable and great choice for every individual or family looking for a traditional and complete health plan.

Off-Exchange plan options are also available for those who do not qualify for tax-credits. These plans are especially good for individuals earning higher than the 400% of the federal poverty level chart. Business owners and other high income earners are the ideal client for off-exchange plans.

Both plan options cover important things like checkups, prescription drugs, and maternity care. Those with prior medical conditions or poor health qualify the same regardless of past medical history.

Access to

30+ national carriers

Process

How it works

Step 1

Request your quote

Fill out a simple form and we’ll gather your top insurance quotes.

Step 2

Compare your options

Talk with one of our advisors to compare and understand your options.

Step 3

Secure your policy

We will handle the boring insurance paperwork so you can get back to what you’d rather be doing.

Frequent Asked

Questions

What types of health insurance plans are available?

There are several types of health insurance options for individuals looking for coverage. Several key factors will determine which type of coverage is best. Here are some options:

 

  • ACA Plans for individuals and family are one of the more popular types of options available, since they meet the requirements of the Marketplace regarding all 10 essential health benefits. This is a complete health insurance plan offered to those who fall into specific income brackets. Having a lower yearly income results in a more affordable health plan for the customer.

 

  • Off-exchange plans for individuals and family are very similar to ACA plan options but do not consider yearly income when calculating the monthly premium. Individuals enrolling in off-exchange plans will pay full price since these options do not include tax credits offered by the federal government.

 

  • Short Term Medical (STM) plans are temporary health insurance options designed to provide individuals with coverage for a limited duration, typically ranging from a few months, up to 2–3 years. Great option for those between jobs or waiting for employer-sponsored benefits to begin.
What Type of Health Insurance Plan is Best for You?

Selecting the right health plan depends on the needs of the individual. One specific plan is not the best for anyone since each person's health condition comes with different needs. Some key factors to consider when selecting the right health plan:

 

  1. Do you need to check if your medications are covered?
  2. Do you need coverage only for annual check-ups or for more frequent visits?
  3. Do you have a preferred doctor you would like to use?

 

Answering these questions can help guide you in the right direction when choosing a health insurance plan.

What Does the Plan Cover?

Not all health plans comes with the same benefits or have the same coverage. It is important to review this information with your insurance agent since these benefits can change from year to year. Depending on which coverage you choose, you could have more benefits than other options.

What are the Deductibles and Out-of-Pocket Costs?
  • Deductible: is the amount you pay towards covered health care services before your insurance plans starts to pay. A lower deductible plan is better but may come with higher monthly premiums.

 

  • Out-of-Pocket Cost: is the most amount you pay for covered healthcare services in a plan year. After reaching this amount on deductibles or co-pays, your health plan pays 100% of the cost of covered benefits.

Your Insurance Home

For Life and
Health Solutions.

Thank you for considering Group One USA Insurance as your trusted partner in protection. Your journey to a secure future starts here.

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© 2024 Group One USA

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For Life and
Health Solutions.

Learn more about our brokerage solutions. Get the support you need to advise your client’s confidently. Become and advisor today!

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