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More options. A clearer understanding.

Affordable Health Coverage Alternatives Worth Exploring

With Marketplace health insurance costs rising, many individuals and families are looking for other options.

Explore off-market coverage with guidance from HealthCareAllYear, so you can make a more informed choice for your needs and budget.

Explore your options Ask us a question

Benefits and availability vary. These options do not all provide the protections of comprehensive ACA health insurance.

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Coverage decisions deserve a conversation.
We help you understand both the benefits and the limitations.
Understand what you are considering

Your needs come first.
Let's explore the possibilities.

At HealthCareAllYear, we believe you deserve to understand the alternatives available to you. Review the brochures below, compare the benefits and limitations, and let us help you determine what may fit your situation.

Three options to review

Different approaches to coverage.

Start with the brochure. Then talk with us about eligibility, your state, and the full policy terms.

A healthcare professional checking an adult patient's blood pressure
Hospital-focused indemnity

FirstChoice
Blue Ribbon Series

ManhattanLife
ManhattanLife Insurance and Annuity Company

Limited, defined benefits for covered hospital admissions, confinement, and other specified services.

Key advantages

  • Scheduled benefits for covered hospital stays, including specified ICU, surgical, and anesthesia services.
  • Multiple benefit designs to review, with certain outpatient benefits depending on the plan.
  • Simplified underwriting described in the brochure, subject to eligibility and approval.

Important limitations

A limited-benefit hospital indemnity policy, not comprehensive major medical insurance. Defined payments may cover only part of your medical bills. Acceptance is not guaranteed. Policy limits and pre-existing condition provisions may apply.

View FirstChoice Brochure PDF opens in a new tab
An adult couple talking together at home
Fixed-indemnity insurance

Health
ProtectorGuard

Golden Rule Insurance Company,
a UnitedHealthcare company

Specified benefits across more categories of care than a primarily hospital-focused indemnity plan.

Key advantages

  • Benefit categories include hospital services, doctor visits, wellness services, and certain prescriptions.
  • Specified surgical, outpatient diagnostic, and other medical service benefits.
  • Choice of providers, with access to UnitedHealthcare Choice Plus network discounts.

Important limitations

Pays specified amounts regardless of the actual medical bill. This is supplemental, limited-benefit insurance, not comprehensive major medical coverage or a substitute for it. Underwriting, exclusions, benefit limits, and pre-existing condition provisions apply.

View Health ProtectorGuard Brochure PDF opens in a new tab
A couple spending time outdoors with their child
Private health benefits program

OneHealth

Private health benefits program
Review complete documents with our agency

A private health benefits program presented for individuals, including independent contractors and sole proprietors.

Features advertised in the flyer

  • National PPO access, with a large advertised provider network.
  • Eight deductible choices to consider for different budgets.
  • Dedicated enrollment assistance and proactive support for large claims.

Important limitations

The flyer does not establish all exclusions, eligibility rules, or complete coverage terms. Full program documents, funding and insurer details, provider participation, and state availability must be verified. Savings and qualification are not guaranteed.

View OneHealth Brochure PDF opens in a new tab
A thoughtful next step

Look beyond the
monthly premium.

What a plan pays, what it excludes, and what you could still owe matter just as much as the price.

01
Review the details

Read the brochure and request the actual policy or complete program documents.

02
Consider your care needs

Discuss your providers, prescriptions, health history, and potential out-of-pocket exposure.

03
Talk with our agency

We can help verify state availability and explain the options before you apply.

Personal guidance. A real conversation.

Questions? We're Here to Help.

Not sure which option may be right for you? Contact HealthCareAllYear to discuss your needs and request personalized information.

Call Chalmes (CT)704-301-4297Call Tonya704-904-3239

Important information before you apply

  • These are off-market coverage options, not necessarily ACA-compliant major medical insurance. Do not assume they offer the same protections as comprehensive ACA coverage.
  • Benefits, exclusions, limitations, eligibility, and availability vary by plan and state. Insurance availability and benefits must be verified for your state.
  • Coverage may require medical underwriting and approval. Pre-existing condition provisions or exclusions may apply.
  • Fixed indemnity policies pay defined amounts and may leave significant medical expenses unpaid. Policy benefit caps and service limits may apply.
  • Review the actual brochures and policy or complete program documents before applying. This page provides general information, not an insurance contract or guarantee of coverage.
  • OneHealth's flyer is a program overview. Complete coverage terms, eligibility rules, exclusions, and program details require additional review with our agency.

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