Health insurance for individuals and families
Private health plans and supplemental coverage, compared across several insurance companies by an agent licensed for health insurance in Texas, Iowa and Florida, by phone or video, in English or Spanish.
- Private health plans for individuals and families
- Supplemental coverage: hospital, accident, critical illness, dental and vision
- Licensed for health insurance in Texas, Iowa and Florida
See your options in about 2 minutes
Three questions to start. No medical questions, no obligation, and nothing shared with anyone outside our agency.
This is usually a fit if…
- You're self-employed, between jobs, or your employer doesn't offer health coverage.
- You're retiring before 65 and need coverage until you're eligible for Medicare.
- You already have a health plan and want cash benefits for a hospital stay, an accident or a serious diagnosis.
- You want dental or vision coverage on its own.
- You'd like the plan explained in Spanish before you sign anything.
Not sure this is the right fit?
That's a normal place to start. A short call with a licensed agent will tell you whether this makes sense for your situation — and we'll say so plainly if it doesn't.
What to understand before you buy
Health coverage comes in more shapes than most people expect. These are the points we go through with every client before an application.
Private health plans
A private health plan is health insurance bought directly from an insurance company instead of through the government's Health Insurance Marketplace. Some private plans are major medical plans that follow the Affordable Care Act's rules; others are built differently, may ask health questions, and may limit benefits or exclude pre-existing conditions. Before you apply, we go through what the plan covers and what it doesn't, the deductible, the out-of-pocket maximum and the doctor network.
When you can enroll
Major medical plans that follow the Affordable Care Act's rules can generally be bought only during the annual open enrollment period, or in a special enrollment period after a qualifying life event such as losing other coverage, moving, getting married or having a baby. Most supplemental plans can be applied for at any time of year.
Premium tax credits
Premium tax credits under the Affordable Care Act apply only to plans bought through the Health Insurance Marketplace at HealthCare.gov. If your household income may qualify you for one, we will tell you, because a Marketplace plan may cost you less than a private one.
Supplemental coverage
Hospital indemnity plans pay a set cash amount for a covered hospital stay. Accident plans pay set amounts for covered injuries, and critical illness plans pay a lump sum when you are diagnosed with a covered condition, such as a heart attack, stroke or cancer, as the policy defines it. These benefits are paid to you, in addition to your health plan, and you decide how to use them. Dental and vision plans help pay for routine care, treatment, glasses or contacts.
What it typically costs
Health insurance premiums depend mainly on your age, where you live, the plan you choose and, for some plans, your health and tobacco use. Supplemental plans usually cost much less than a health plan because the benefits are smaller and set in advance. We quote several companies so you can compare them side by side.
Important disclosures
Health insurance and supplemental products are offered to residents of Texas, Iowa and Florida only. Plans, benefits, costs, exclusions and availability vary by state and by insurance company, and the policy or certificate sets out the actual terms. Hospital indemnity, accident and critical illness policies pay limited benefits and are not a substitute for comprehensive health coverage. Some private health plans are not required to cover every benefit an Affordable Care Act plan covers and may limit coverage for pre-existing conditions. Elavere Life & Retirement is not affiliated with HealthCare.gov, the Health Insurance Marketplace or any government agency.
Frequently asked questions
Is a private health plan the same as an Obamacare plan?
Does supplemental insurance replace health insurance?
Can I get a subsidy on a private plan?
I don't live in Texas, Iowa or Florida. Can you still help?
Can we do the whole process in Spanish?
Local pages in Texas, Iowa and Florida
Let's find out what this actually costs you.
A short conversation with a licensed agent — in English or Spanish — and you'll know your real options. No cost, no obligation, no pressure.
Submitting a request or calling connects you with a licensed insurance agent who may contact you about insurance products. This is an insurance solicitation.