Are you prepared to pay around $10,400 out of pocket for a 4-to 5-day hospital stay?
The average cost of hospitalization can easily exceed the average major medical deductible amount of $4,328 (2017)
Are you able to pay a $4,000 medical bill in order to reach your deductible and access your major medical plan benefits?
Whether as a stand-alone alternative to major medical hospitalization benefits or to supplement a primary medical plan, a hospital indemnity plan with additional critical illness insurance benefits helps cover the costs associated with being admitted to the hospital when you become sick or injured.

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Aliera Health Care
IHC Group

Discover a healthy alternative to traditional medical insurance for you and your family.
Since it's inception, the ACA required nearly all Americans to have health insurance. However, Congress decided in 2017 to eliminate the individual mandate penalty starting in 2019. 

So, though the individual mandate is technically still on the books, the penalty is not. You won't get a tax penalty at tax time if you don't have health insurance for 2019. this is where alternative plans could provide you with health coverage and have lower premiums.

​Some plans even provide limited coverage for certain pre-existing conditions. There’s a good chance you will find an alternative health plan that meets your unique needs for 2018.

Who are Alternative Health Plans For?

• Coverage for unexpected hospitalization or surgery charges, with varying levels of benefits and price points
• Flexibility to choose any doctor or hospital, with additional cost savings available via access to network providers
• Unable to afford comprehensive major medical coverage (an ACA plan)
• Lump-sum benefit payments for ambulance, maternity, chemotherapy and radiation, and an added critical illness benefit
• Retired but haven’t met the age requirement for Medicare

We recommend the following three companies  for these types of plans.
​Just click on the information provided below for additional information
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​AlieraCare provides individuals and families flexibility and cost-savings where visits and health events match the everyday needs of the average family.

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Hospital indemnity plans can help reduce out-of-pocket costs by paying fixed benefit amounts for covered medical expense and doctor visits.

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Alternative health insurance is not major medical insurance and does not constitute ACA-qualifying coverage.