Alternatives to Obamacare
So you don’t have health insurance. Maybe it was the price, maybe it was the principle, maybe you just forgot. Don’t worry – we’ve got a few options for you to consider.
Scroll down to check them out.
Short-Term Health Insurance
The catastrophic coverage you need in case something big happens, at prices much lower than a regular health insurance plan.
Learn about faith-based alternatives to health insurance. Members of health sharing organizations are exempt from the Obamacare mandate and fines.
Get cash benefits to help pay for care if someone is hurt in an accident or contracts a critical illness, along with a few other nice benefits. This plan is surprisingly affordable!
Not everyone buys health insurance. There are alternatives to Obamacare. We’ve bundled together a few options you can consider if you didn’t jump into Obamacare for whatever reason. These three plans, taken together, would provide you with very solid, well-rounded coverage that would be much cheaper than a regular health insurance policy.
Of course you would not have to purchase all three – you could take one or two and be far better off than having nothing!
Short-term Health Insurance
Get catastrophic coverage that will protect your family if something big happens. That’s the point of insurance, after all! These plans aren’t fancy, but you’ll get the safety net you need at a price that is significantly lower than a traditional health insurance plan.
Health Sharing Ministries
In a health sharing organization, members agree to abide by certain lifestyle standards and share one another’s health expenses. In many ways they function like insurance plans, but they are not insurance. They are not for everybody but they work well for thousands of people (and are expanding rapidly). Health sharing ministries are typically much less expensive than (non-subsidized) individual health insurance plans, but won’t work for everyone.
These plans work well with either of the options described above. If you absolutely don’t want to buy any kind of health coverage, you could use these on a stand-alone basis to provide at least some protection for yourself.
If you don’t have health insurance, it can be expensive going to see a doctor. That’s why telemedicine is becoming so popular. Your family can have access to a board-certified doctor in your state 24 hours a day, 7 days a week for a phone or video consult. The doctor can even prescribe medicine for many common illnesses. It’s only $11.99/month for the whole family.
The Plan Enhancer from National General Insurance bundles together accident insurance with critical illness insurance and/or a hospitalization benefit in one affordable plan. These plans pay a cash benefit to help you pay for healthcare if you have any kind of accident/injury, or get hit with a critical illness like cancer or a heart attack. That money can help you meet the deductible on your short-term health insurance plan or just help you pay for care if you don’t purchase a short-term policy.
(Note: This link will take you to a page with several different plans. Look for the “Plan Enhancer.”)
Think about how these plans work together.
These plans are each helpful on their own. Taken together, though, they give you very thorough and robust health coverage at a significantly lower price than you would get with an Obamacare-compliant health insurance plan.
- The short-term health insurance plan provides you with catastrophic coverage. You could keep the cost down by choosing a $5,000 deductible. Short-term policies generally do not include doctor copays, though the plan we recommend does have a $50 copay at an urgent care center.
- For $11.99/month you subscribe to the telemedicine service to get 24/7 hassle-free access to doctors who can even give you a prescription for a basic, common problem when appropriate.
- If you’re going to hit the high deductible on a short-term health insurance plan (say $2,500 or $5,000), there’s a really good chance it was because you were injured in an accident or because of something like a critical illness or heart attack. So you can purchase the “Gap Plan” (the Plan Enhancer, described above) that bundles these coverages together in one package.
Or you could substitute a Christian health-sharing ministry in place of the short-term health plan. If you can abide by the lifestyle statement, this could be an even less expensive option because this will exempt you from the individual mandate in the Affordable Care Act, so no fine!
If you are looking for a less expensive alternative to Obamacare, and want to talk about your options, we hope you will contact us today.
NObamacare for Employer Groups
Group health insurance plan are subject to most of the requirements of the Affordable Care Act, but in many cases there are certain advantages of having a group plan instead of individual plans. In South Carolina, for example, groups have access to a larger network and to coverage out of state.
Nonetheless, many employers are opting to drop health insurance plans because of the cost and hassle of administering a group health plan and because many of their employees qualify for subsidies (unless there is a group health plan available). These Obamacare alternatives are a great option for employees who opt not to enroll in individual health insurance plans.
The telemedicine plan is becoming popular with employers because it helps cut down on missed work for office visits.
Where we Work
With offices in metro Atlanta (Buford), Georgia, and in Greenville, South Carolina, AC Forrest insurance offers these alternatives to Obamacare throughout Georgia, South Carolina, North Carolina, and several other states. If you have questions about the availability of these products in your state, please contact us.