Affordable Health Insurance Solutions
Did you know 1 in 4 of today’s 20-year-olds will become legally disabled before they retire?
Today's Health Insurance Market
As a result of the 2012 Affordable Care Act legislation, the health insurance industry has seen some drastic changes, leaving many consumers confused. Today there are three main ways for individuals and families to obtain coverage…
Obamacare
ACA Marketplace “Obamacare” plans provide benefits for a broad range of health care services. Plans include full coverage for doctor visits, prescription drugs, preventative care, hospital stays, and more.
These plans are available to almost everyone and you can’t be denied based on preexisting conditions.
Enrollment is only during fall enrollment (Nov 1 to Jan 15) or with a special
enrollment period such as:
moving, having or adopting a child, getting married or divorced, losing employer coverage, etc.
Some families qualify under the Biden “Family Glitch” ruling of 2023 where employers don’t cover a spouse or children rendering employer coverage unaffordable. Let us help you find solutions and options to ensure your family is protected.
Short-term Medical
If you can’t afford an Affordable Care Act (ACA) plan or have missed the cutoff to apply, you may want to consider a short-term plan.
Applications are accepted year-round. These plans can be a great alternative for those who find ACA plans unavailable or unaffordable.
These plans do generally have underwriting and pre-existing conditions will typically effect pricing.
We are here to help you explore your options. There are several providers of these types of plans.
Supplemental Health
Looking for additional coverage to supplement the costs of care for services that health insurance doesn’t cover?
Supplemental health plans can help you cover costs associated with dental, vision, hearing, hospitalization, critical illnesses and more.
They also accept applications year round and in some cases do not require medical underwriting.
We offer all 3 solutions!
Conveniently Shop Your Options
Health insurance can help reduce and eliminate the risk of unexpected out‐of‐pocket expenses from derailing your life plans. Choosing the right combination of benefits can be hard, but Shield Me Insurance makes it easy.
Obamacare
Guaranteed Acceptance
Short-term Medical
Must Answer Health Questions
Supplemental Health
May Require Underwriting