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These are not Affordable Care Act major medical plans. The products shown are private individual health plans, hospital indemnity, specified-disease, fixed-indemnity, short-term medical and supplemental products. They are not minimum essential coverage in every case, do not all include the ACA's essential health benefits, and are not sold through a government exchange. No subsidy or premium tax credit applies to any plan on this site.

Limited-benefit plans pay scheduled amounts. Hospital indemnity and specified-disease products (shown here as Catastrophic coverage) pay defined benefit amounts per service or event, not a percentage of your bill after a deductible. Amounts above the scheduled benefit are your responsibility.

Reference-based pricing / balance billing. Enrollment First SelectMed Bronze Pro has no facility network. Facility charges are reimbursed at a multiple of the Medicare rate, and the facility may bill you the difference. That balance-billed amount is not capped and does not count toward your out-of-pocket maximum. The Pre-Med Defender GAP plan does not cover it. Bronze Pro/Value are not available in AK, HI, MA or NH.

Pre-existing conditions and waiting periods. Underwritten plans ask health questions and a pending or recommended surgery is generally declinable. Short-term medical plans exclude pre-existing conditions. Elective surgery is not covered in the first 90 days on LifeX plans. Guaranteed-issue coverage has no health questions but carries its own exclusions.

Prescription drugs. No plan shown covers specialty drugs or biologics as a standard benefit; patient assistance programs may apply. Enrollment First covers Tier 1 generics only and excludes chemotherapy and radiation. Confirm every medication against the plan's formulary before enrolling.

Premiums shown are age-banded illustrations for the lowest-cost tier of the named plan, effective January 1, 2026, and assume the household you selected. Actual premium depends on state, tier, household composition, tobacco use and carrier approval. Plans marked "quote required" are rated by the carrier at quote. Nothing on this site is an offer of insurance or a binding quote.

Enrollment requires a licensed agent. You cannot bind coverage on this site. Availability, benefits, limitations and exclusions are governed solely by the policy documents. The AO Private Health Marketplace is operated by Alpha Omega Financial LLC (AO American Benefits), an independent insurance agency; a USABG company. NPN 19659780. 5141 Mariner Blvd, Spring Hill, FL 34609.