“I was able to sign up for health insurance through Briana Oliveira. Briana is an awesome specialist who listened attentively to my needs and quickly identified the right solutions. Very professional and courteous. Truly a gem and a blessing!”
Alternative Options
Private alternatives when ACA isn’t the fit.
Sometimes an ACA marketplace (Obamacare) plan isn’t the right answer — premiums feel too high, you don’t qualify for subsidies, or you need something more flexible. We can compare medically-underwritten private health insurance plans, short-term medical, fixed-indemnity coverage, and other alternatives.
Free · No obligation · Licensed agents in 40+ states
IMPORTANT: This is a short-term, limited-duration policy,
NOT comprehensive health coverage
This is a temporary limited policy that has fewer benefits and Federal protections than other types of health insurance options, like those on HealthCare.gov.
| This policy | Insurance on HealthCare.gov |
|---|---|
| Might not cover you due to preexisting health conditions like diabetes, cancer, stroke, arthritis, heart disease, mental health & substance use disorders | Can’t deny you coverage due to preexisting health conditions |
| Might not cover things like prescription drugs, preventive screenings, maternity care, emergency services, hospitalization, pediatric care, physical therapy & more | Covers all essential health benefits |
| Might have no limit on what you pay out-of-pocket for care | Protects you with limits on what you pay each year out-of-pocket for essential health benefits |
| You won’t qualify for Federal financial help to pay premiums & out-of-pocket costs | Many people qualify for Federal financial help |
| Doesn’t have to meet Federal standards for comprehensive health coverage | All plans must meet Federal standards |
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
IMPORTANT: This is a fixed indemnity policy,
NOT health insurance
This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.
- The payment you get isn’t based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn’t a substitute for comprehensive health insurance.
- Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
- If you have this policy through your job, or a family member’s job, contact the employer.
What you get with Maher Insurance
Independent advice. We work for you — not the carriers.
01 /
Often lower premiums for healthy buyers
If you’re healthy and don’t qualify for ACA subsidies, medically-underwritten plans often cost significantly less than Bronze or Silver Marketplace plans, especially in higher-income brackets where subsidies don’t apply.
02 /
Faster, more flexible enrollment
Many alternatives don’t require waiting for Open Enrollment — you can apply year-round and coverage can start in days, not months. Useful if you’ve missed Open Enrollment and don’t qualify for a Special Enrollment Period.
03 /
We’re honest about the tradeoffs
These plans typically don’t cover pre-existing conditions, maternity, mental health parity, or all 10 ACA essential benefits. They are tools for specific situations — not blanket replacements for ACA coverage. We tell you when an alternative makes sense and when it doesn’t.
04 /
We compare ACA and alternatives side-by-side
We will quote both Marketplace AND alternatives so you can see the full picture — premium plus likely out-of-pocket — and choose the right fit, not just the cheapest sticker price.
What Our Clients Say
Real reviews from real clients.
“Found Maher Group online and saw the great reviews. Ally talked with me for 45 minutes about health insurance for our family of 6. She responds quickly via phone or text. Extremely knowledgeable, does not leave any stone unturned. Highly recommend!”
“I had an amazing experience working with Deven Plunkett to get health insurance. They were incredibly patient, knowledgeable, and took the time to explain all of my options in a way that was easy to understand. They made what could have been a stressful process feel smooth and reassuring.”
Explore more
Related: ACA Marketplace Plans · Short-Term Medical · Health Insurance FAQs
Ready to explore your ACA Alternative Health Plans options?
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Compare Alternative PlansFrequently asked questions
Common questions about ACA Alternative Health Plans.
What counts as an “ACA alternative”?
The category includes medically-underwritten private major medical plans, short-term medical plans, fixed-indemnity plans, hospital-only plans, healthcare sharing ministries, and direct primary care memberships. None of these are ACA-compliant insurance — they don’t cover all 10 essential health benefits — but each can fit specific situations.
Why would I choose one instead of an ACA Marketplace plan?
Common reasons: your household income is too high for premium tax credits and Marketplace plans feel expensive; you’re between jobs and need quick coverage; you’re generally healthy and want lower monthly costs; or you missed Open Enrollment and don’t qualify for a Special Enrollment Period. The right answer depends on your specific situation and risk tolerance.
What aren’t these plans good for?
Most alternatives are not the right choice if you have pre-existing conditions, are pregnant or planning to become pregnant, need ongoing mental health care, take expensive prescriptions, or have a chronic condition that requires regular treatment. In those cases, an ACA plan is usually a better fit — even at a higher premium — because the ACA prohibits denial for pre-existing conditions and caps annual out-of-pocket costs.
Do these plans count as “having health insurance”?
Most ACA alternatives are not considered Minimum Essential Coverage under federal law. The federal individual mandate penalty is currently $0, but five states and DC (California, Massachusetts, New Jersey, Rhode Island, Vermont, and the District of Columbia) still have state-level penalties. We’ll let you know if a state-level penalty would apply.
Are these plans legal in every state?
No. Short-term medical durations vary by state — some states cap it at 3 months, others allow up to 36 months with renewals. A few states have effectively banned short-term medical entirely (e.g., California, New York). Fixed-indemnity and faith-based sharing rules also differ. We tell you what’s available in your state.
What are the alternatives to Obamacare (ACA marketplace) plans?
Common alternatives include medically underwritten private health insurance, short-term medical plans, and fixed-indemnity coverage. They can cost less for healthy applicants, but they are not required to cover pre-existing conditions or every essential health benefit, so it is worth comparing them against a subsidized marketplace plan before deciding.