Health Insurance
Not yet eligible for Medicare? We offer individual and family health insurance plans to keep you covered at every stage of life.
Health Coverage for Every Situation
Whether you're self-employed, between jobs, aging out of your parent's plan, or simply need individual or family coverage, finding the right health insurance plan is critical. The right plan protects you financially while giving you access to the care you need.
At MAC Insurance, we help you compare every option: ACA Marketplace plans with potential subsidies, and lower-cost alternatives like short-term medical, fixed indemnity and health share memberships. Our goal is to find you quality coverage at a price that works.
Types of Plans We Offer
Comprehensive coverage, with subsidies
ACA Marketplace
Comprehensive health insurance that covers pre-existing conditions, with income-based subsidies that can lower your premium.
Learn more →Temporary coverage for a gap
Short-Term Medical
Temporary medical insurance for a gap, like waiting for employer coverage, missing Open Enrollment, or retiring a few months before Medicare.
Learn more →Set cash amounts when you get care
Fixed Indemnity
Pays set cash amounts for covered care, like a fixed amount per hospital day or doctor visit, to use however you need.
Learn more →Members share each other's medical costs
Health Share
A membership where members share each other's eligible medical bills. Everyone is accepted, it often costs less per month than the Marketplace, and you choose any provider.
Learn more →How They Compare
| ACA Marketplace | Short-Term Medical | Fixed Indemnity | Health Share | |
|---|---|---|---|---|
| Is it insurance? | Yes | Yes | Yes | No |
| Covers pre-existing conditions | Yes | Usually not | Limited | After a waiting period |
| Can turn you down for your health | No | Yes | Sometimes | No |
| When you can enroll | Open Enrollment or SEP | Any time | Any time | Any time |
| Income-based subsidies | Yes | No | No | No |
General overview only. Benefits, eligibility and limits depend on the specific plan or membership and on your state. Short-term medical and fixed indemnity plans are not comprehensive coverage, and a health share is not insurance and does not guarantee payment of bills.
What to Consider When Choosing a Plan
- Monthly premium vs. out-of-pocket costs (deductible, copays, coinsurance)
- Whether your preferred doctors and hospitals are in-network
- Prescription drug coverage and pharmacy network
- Whether you qualify for ACA subsidies based on your income
- Essential health benefits like maternity, mental health, and preventive care
- Annual out-of-pocket maximums that cap your yearly spending
Frequently Asked Questions
What health insurance options are available if I am under 65?
If you are under 65 and not eligible for Medicare, your options include employer-sponsored health insurance, Affordable Care Act (ACA) marketplace plans, short-term health insurance, Medicaid (if you meet income requirements), and COBRA continuation coverage if you recently left a job. An insurance agent can help you compare options based on your situation.
What is the ACA marketplace and how do subsidies work?
The ACA marketplace (Healthcare.gov or your state exchange) offers health insurance plans with standardized coverage tiers: Bronze, Silver, Gold, and Platinum. If your household income is between 100% and 400% of the federal poverty level, you may qualify for premium tax credits that lower your monthly premium, and possibly cost-sharing reductions on Silver plans.
Can MAC Insurance help with non-Medicare health insurance?
Yes. While we specialize in Medicare, MAC Insurance also assists clients with health insurance needs outside of Medicare, including ACA marketplace plans, short-term coverage, and supplemental health products. We can help you find coverage that fits your budget and healthcare needs regardless of your age.
What should I do about health insurance if I am retiring before 65?
If you retire before Medicare eligibility at 65, you can use COBRA to continue your employer plan for up to 18 months (though you pay the full premium), enroll in an ACA marketplace plan (losing employer coverage qualifies you for a Special Enrollment Period), or explore short-term health insurance as a bridge until Medicare begins.
Get the Coverage You Need
Don't go without health insurance. Contact us today for a free consultation and let us help you find a plan that fits your life.