How to Get Insurance In USA

Individual/Family Healthcare Plans

Community Health Options offers a variety of affordable health insurance options, so you can choose the benefit plan that’s right for you or your family. And with even more benefits for 2023, being healthy just got a little easier.

Choose the plan type and year from the dropdowns below:

CATASTROPHIC LEVEL

Catastrophic plans are for people under 30 or others with certain exemptions.

These plans have the lowest monthly premiums and highest deductibles. This level is an affordable way to protect from worst-case scenarios. Eligibility for catastrophic plans is limited to individuals under 30 or those with a hardship exemption from the Marketplace. These plans do not qualify for Advance Premium Tax Credits.

BRONZE LEVEL

In Bronze plans, the insurance company pays about 60%, and the Member pays 40% of the cost for health services.

Bronze plans have low premiums but require Members to pay a higher deductible and often higher out-of-pocket costs compared to other metal levels. These plans keep monthly premium costs low, while providing the same quality coverage when you receive care.

BRONZE LEVEL – OFF-EXCHANGE ONLY

The following plans are offered directly through Health Options and are exempt from purchase with Advance Premium Tax Credits. You may purchase them directly through our storefront. In Bronze plans, the insurance company pays about 60%, and the Member pays 40% of the cost for health services.

SILVER LEVEL

In Silver plans, the insurance company pays about 70%, and the Member pays 30% of the cost for health services.

Silver plans offer moderate monthly premiums, a moderate deductible, and often moderate out-of-pocket costs compared with other metal levels.  If your income qualifies you for cost-sharing reductions, you must choose a Silver-level plan for the associated savings. 

SILVER LEVEL – OFF EXCHANGE ONLY

In Silver plans, the insurance company pays about 70%, and the Member pays 30% of the cost for health services.

While all our 2023 Individual and Family plans are available for purchase, the following plans are offered directly through Health Options and are exempt from purchase with Advance Premium Tax Credits.  You may purchase them directly through our storefront.

GOLD LEVEL

In Gold plans, the insurance company pays about 80% and the Member pays 20% of the cost for health services.

Gold plans have higher monthly premiums, but lower deductibles and out-of-pocket costs compared to other metal levels. These plans are a good option if you prefer lower deductibles and out-of-pocket expenses, anticipate the need for frequent or high-cost medical treatment, and are comfortable with a larger monthly premium expense. 

GOLD LEVEL – OFF EXCHANGE ONLY

In Gold plans, the insurance company pays about 80% and the Member pays 20% of the cost for health services.

While all our 2023 Individual and Family plans are available for purchase, the following plans are offered directly through Health Options and are exempt from purchase with Advance Premium Tax Credits.  You may purchase them directly through our storefront.

PLATINUM LEVEL

In Platinum plans, the insurance company pays about 90%, and the Member pays 10% of the cost for health services.

Our Platinum plan has the highest monthly premium but offers the most financial coverage when you need care. This plan is a good option for Members who are comfortable with the monthly premiums, prefer low out-of-pocket expenses, and expect to make frequent use of their health benefits.

Full-Service Insurance Solutions for Seniors

We have agents that can work with you locally in Metro Atlanta, N. Georgia, NE Alabama, and East Tennessee. In addition, we are licensed in many states across the country so we can work remotely to assist you in getting the right Medicare coverage for you personally. 

If you need help signing up for Medicare, finding out if you qualify for extra help on prescription drug costs, or getting your part B premium paid by your state, we are here to help you. So give us a call today at 1-888-270-0054, or click the button below and fill out our easy online form to speak with an agent!

Medicare Plans & Insurance

Do you need to sign up for a new Medicare plan, choose a Medicare supplement plan, change your Medicare plan, or learn more about long-term care? Click the buttons below to learn more about each type of Medicare plan, and get in touch with us to speak with an agent today!

Precision Care Cancer Insurance

Precision Care Cancer insurance is designed to help you access treatment that is uniquely designed for you, for your DNA! You react differently to medication, food, even exercise than anyone else. Why would cancer treatment be different? Precision care pays for you to have access to mapping out your unique genetic code and seeing what cutting-edge treatment is best for you!

Hospital Indemnity Plan

Most people today opt for zero-premium advantage plans, but sometimes are concerned about hospital copays. Having a hospital indemnity plan will give you the opportunity to pay nothing for an inpatient hospital stay, but have a very low premium that does not increase. Call us for a quote today.

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