Private & Underwritten
Private & Underwritten Plans
The premier private major-medical options — typically 30–70% lower than the ACA Marketplace for those who qualify, anchored by the strongest underwritten carriers.
The only three truly comprehensive major-medical options in the private individual & family space
Shopping privately — outside the Marketplace — there are really only three options that count as genuinely comprehensive major-medical coverage:
- Underwritten UHC
- Underwritten PSM BCBS / Aetna
- Short-term major-medical
Our flagship: Individual Underwritten
For those who qualify, these are the most affordable and the most premium coverage in this space — the rare plan that's both.
- The one exception: if you specifically need maternity or mental-health coverage, these may not be the right fit.
- They're the best precisely because they have the strictest underwriting — easy to apply, harder to get approved. That keeps the risk pool healthy, and the pricing and coverage excellent for everyone in it.
- They're flexible, too: these underwritten plans can also function as a group-sponsored health plan — not just individual or family coverage.
Who these plans are most ideal for
These underwritten options — United Healthcare, Gig, Care / BCBS, and PSM / Aetna — share the same core strengths, and most can flex between individual, family, and small-group or business-owner coverage. They're an especially strong fit if you don't qualify for a subsidy or premium tax credit and you're in good health:
- Independent / self-employed needing portable national coverage.
- Individuals & families wanting a premium underwritten option.
- Those needing a real nationwide PPO footprint.
- Ideal for travelling nurses, truckers, and anyone whose life or work crosses state lines.
30–70% below ACA — and the honest truth about cheaper options
For those who qualify, these underwritten plans run 30–70% below ACA. The only options cheaper than this come with real trade-offs:
Short-term / tri-term plans are the only thing cheaper. They're aggressive on pre-existing conditions and often don't underwrite honestly up front — instead they scrutinize you at claim time, looking for a reason to deny. They suit only people who are genuinely between jobs, or who can't fit a better option in their budget and knowingly value cost over reliability.
What we do NOT offer — and why
Limited-benefit plans. No deductible and no out-of-pocket maximum — which means unlimited financial exposure on a major claim.
Cost-sharing / MediShare-style plans. No insurance backing — they can legally decline to pay for any reason, and no license is even required to sell them.
Many brokers push these to the consumer's detriment. Our position is simple: with full, honest information from a professional of the highest integrity, almost no one would choose a limited-benefit, cost-sharing, or even short-term plan.
The supplemental advantage
Underwritten plans shine here, because many include supplemental-style benefits right in the core plan. The UHC options, for example, include the following by default:
24/7 Telemedicine — MDLive
Unlimited urgent-care consults with licensed physicians, any time, $0 copay.
Example: A late-night fever, an unexplained rash, or a quick prescription question — talk to a doctor in minutes from home. The goal is to get you the Rx you need, fast.
Accident Coverage
Covers nearly the entire out-of-pocket cost of an accident when paired with a comprehensive base plan.
Example: A fall → ER, X-rays, a cast → your exposure is typically reduced to about $250, because the benefit covers the out-of-pocket costs above $250.
Hospital Confinement Benefit
Pays $600–$1,200 per day, every day after the first, for inpatient stays from injury, sickness/disease, or severe complications of pregnancy.
Example: An 11-day stay → roughly $12,000 in cash paid directly to you, the primary applicant.
Accidental Death & Dismemberment (AD&D)
A lump sum of $5,000–$60,000 for a serious accidental injury (loss of a major bodily function) or accidental death.
Example: A covered accident causing loss of a hand, leg, or hearing in one ear — or accidental death → lump-sum cash paid directly to the primary applicant.
There's a massive, customizable suite within each underwritten carrier — far more than fits on a page. Book a time and we'll narrow it down to exactly what's ideal for you.
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Let's find what's right for you
These are just a few of the nuances of private, underwritten coverage — for the best possible guidance on what fits you, pick a time on the calendar below.