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Private Health Plans
Major Medical
Low Deductibles
ACA - Compliant
Fixed Indemedity
One of our most accessible Major Medical plan options
Cigna PPO Network
Current Most Popular Trending Option
*requires an EIN to enroll
Bronze
Deductible
$8,000
$50 PCP
$120 Spec.
$100 Urgent Care
30% after deductible
$8,700
Max Out of Pocket
Silver
Deductible
$5,000
$40 PCP
$80 Spec.
$60 Urgent Care
30% after deductible
$8,700
Max Out of Pocket
Gold
Deductible
$3,000
$35 PCP
$55 Spec.
$55 Urgent Care
20% after deductible
$8,700
Max Out of Pocket
Platinum
Deductible
$250
$25 PCP
$45 Spec.
$45 Urgent Care
20% after deductible
$1,250
Max Out of Pocket
Diamond
Deductible
$0
$25 PCP
$50 Spec.
$50 Urgent Care
30% Co-Insurance
$6,000
Max Out of Pocket
HSA Option
Deductible
$6,000
$0 Preventative
$0 Teledoctor
30% after deductible
$7,000
Max Out of Pocket
A Fixed-Indemnidy route we like to advise
UnitedHealthcare Choice Plus PPO
*medically underwritten
Bundle:
Doctor & Hospital
Main Health Plan
$0 deductible
Accident
Recommended
$20,000
Critical Illness
Recommended
$50,000 - $100,000
Dental
Vision
Prescription Benefits
Life
Wrap the plan with
for extra protection.
Specified Disease
$1,000,000
Accident Insurance
$1,000,000
Deductible
$5,000
Total Benefit Amount
$2,000,000
Real examples of our current client's private policies
56yo Female
Based in NY
Cigna PPO Network
Silver Tier
Deductible
$5,000
$40 PCP
$80 Spec.
$60 Urgent Care
30% after deductible
$8,700
Max Out of Pocket
Critical Illness
$75,000
Bundled:
Dental
Vision
Life
$100,000
Total Benefit Amount
$100,000+
$895.73 per month
Tax Deductible for 1099
Mid 30's Family(4)
Based in FL
PHCS PPO Network
$500 Copay Plan
Deductible
$500
$50 PCP
$50 Spec.
$50 Urgent Care
Copay +10% after deductible
$9,200
Max Out of Pocket
Critical Illness
$50,000 (4x)
Accident & Sickness
$10,000 (4x)
Bundled:
Dental
Vision
Life
$100,000
Total Benefit Amount
$100,000+
$1,142.18 per month
Tax Deductible for 1099
29yo Female 30yo Male Based in NC
Choice Plus PPO Network
Doctor & Hospital
Main Health Plan
$0 deductible
Accident
$20,000
Critical Illness
$100,000
Prescription Benefits
Total Benefit Amount
$100,000+
$543.56 per month
Tax Deductible for 1099
Cigna PPO Network
Mid 50s Family(5)
Based in CA
Diamond Tier
Deductible
$0
$25 PCP
$50 Spec.
$50 Urgent Care
30% Co-Insurance
$7,000
Max Out of Pocket
Critical Illness
$50,000 (4x)
Accident & Sickness
$10,000 (4x)
Bundled:
Dental
Vision
Life
$100,000
Total Benefit Amount
$100,000+
$2,257.28 per month
Tax Deductible for 1099
Explore Other Plan Options
We will guide you through both public marketplace plans and private options to find the perfect fit for your needs and budget.
Private Plans (Direct & Employer)
Network Flexibility: Broader choice of doctors and specialists without referral requirements
Customizable Benefits: Tailor coverage to match your specific lifestyle and health needs
Premium Variety: Wide range of pricing options from basic to comprehensive coverage
Direct Access: Often includes concierge services and faster appointment scheduling
Public Plans (Marketplace & ACA)
Premium Subsidies: Income-based tax credits can significantly reduce monthly costs
Essential Benefits: Guaranteed coverage for preventive care, prescriptions, and emergencies
Pre-existing Protection: Cannot be denied coverage or charged more for health conditions
Standardized Options: Easy comparison with Bronze, Silver, Gold, and Platinum tiers
FPL
2026
Household Income
Using your Income to qualify for
lower premiums
People above are not eligible for subsidies
People below are eligible for financial assistance and subsidies
Federal Poverty Levels
Family
100%
150%
200%
400%
1 person
$15,650
$23,475
$31,300
$62,600
2 people
$21,150
$31,725
$42,300
$84,600
3 people
$26,650
$39,975
$53,300
$106,600
4 people
$32,150
$48,225
$64,300
$128,600
5 people
$37,650
$56,475
$75,300
$150,600
6 people
7 people
$43,150
$48,650
$64,725
$72,975
$86,300
$97,300
$172,600
$194,600
8 people
$54,150
$81,225
$108,300
$216,600
Speak with a licensed broker to understand where you may fall and see if you qualify today
or email us at team@vitalshieldcoverage.com
Marketplace | ACA
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Who are public plans good for?
ACA | Marketplace | Obamacare
State-Based Exchanges
Understanding Public Marketplace Plans
Public marketplace policies, like those under the ACA (Obamacare), are designed to cover a wide range of medical needs, including:
-
Pre-Existing Conditions: Guaranteed coverage for any and all pre-existing conditions.
-
Comprehensive Benefits: Classifies as major medical coverage because it includes free preventative care, maternity, mental health services, drug/alcohol rehabilitation and has a max out of pocket.
However, there are important considerations:
-
Higher Premiums: Because these policies cover high-risk individuals, monthly premiums and deductibles tend to be higher.
-
Subsidies: You may qualify for a lower premium through a subsidy, based on household income.
-
Important Note: If your reported income on taxes is higher than what you indicated when enrolling, you could face a tax penalty.
-
Best Fit:
-
Individuals with costly medications
-
Frequent doctor visits
-
Low income
Many in this criteria find that an ACA-compliant
policy is the most beneficial option.