Limited-benefit plans are medical plans with much lower and more restricted benefits than major medical insurance, but with lower premiums. Limited-benefit plans include critical illness plans, indemnity plans (policies that only pay a pre-determined amount, regardless of total charges), and “hospital cash” policies. These plans are not regulated by the Affordable Care Act and are not suitable to serve as a person’s only medical coverage. But in some cases, they can be a good supplement to a high-deductible major medical plan.
About our health insurance quote forms and phone lines
We do not sell insurance products, but this form will connect you with partners of healthinsurance.org who do sell insurance products. You may submit your information through this form, or call 1-800-516-2241 1-800-501-4030 to speak directly with licensed enrollers who will provide advice specific to your situation. Read about your data and privacy.
The mission of healthinsurance.org and its editorial team is to provide information and resources that help American consumers make informed choices about buying and keeping health coverage. We are nationally recognized experts on the Affordable Care Act (ACA) and state health insurance exchanges/marketplaces. Learn more about us.
If you have questions or comments on this service, please contact us.