Coverage between the gaps.

Optional help with high deductibles

An optional hospital or fixed-indemnity plan is not major medical coverage and is not a substitute for a Marketplace plan. It may pay a set cash benefit for covered events — such as a hospital stay — that you can use toward out-of-pocket costs while your Marketplace deductible is still in play. Ask us whether an indemnity option makes sense alongside the plan you choose.

This is a fixed-indemnity / hospital indemnity product, not comprehensive health insurance and not a Qualified Health Plan. It does not satisfy the requirement to maintain minimum essential coverage. Benefits are paid as a fixed dollar amount and are not based on your actual medical bill. You remain responsible for deductibles, copays, coinsurance, and all other costs under your Marketplace plan. Eligibility, waiting periods, exclusions, and benefit amounts vary. This is not a government website and is not affiliated with CMS, HealthCare.gov, or the Marketplace.