Alternatives to the ACA: 3-point plan

The idea is simple: the short term medical policies provide catastrophic coverage, while the indemnity plan(s) should help you cover the deductible of the short term plan and/or the lost wages, extra bills and costs that usually accompany medical care. The third piece of the puzzle includes medical access and care.  We recommend a cash-based Direct Primary Care clinic, like  Integrative Family Medicine of Asheville. For a lower priced option, Teladoc or telemedicine is a popular choice. Just ask your agent for the options available in your area.

For a more complete explanation of the ideas below, take a look at our recent blog post for the Asheville Home Builders Association. Below are some main points of consideration for Alternatives to Obamacare/ACA coverage; please read the product brochures for full details available on the carrier websites.  Most clients who pay full price in the Marketplace are able to save 50-75% off their current premiums, including all 3 points of the plan below:

1. Indemnity:

Cash to help cover the bills (or deductible)

  • Simply put, an indemnity plan says “If X happens, then you get imbursed $Y”
  • Some categories include Hospital, Accident, Cancer, Critical Illness, and others
  • Several new Combination or Hybrid Multi-Level indemnity plans are now available
    • e.g., See the ‘Health ProtectorGuard’ options and other plans from UHC
  • May be either “fixed” or “coordinated“ indemnity benefit design. ‘Fixed’ is the stated amount, whereas ‘coordinated’ means reimbursement only for actual monies spent

2. Short-Term Medical:

Essential catastrophic coverage

  • Up to 360 days coverage in a single plan; 2 plans can be combined upfront, with the second plan acceptance guaranteed, even if there is medical need in the first plan.
  • Deductibles per period are adjustable, from $2500 - $12,500/person
  • Does NOT cover pregnancy, mental health, substance abuse, or pre-existing conditions.
  • Is medically-underwritten. Applicants may be denied, or pre-existing conditions may be excluded from plan coverage.
  • Many plans from Hummingbird provide up to $2 million coverage for medical needs.
  • Affordable rates. Usually much lower than ACA depending on age, area, and tobacco use.

3. Primary Care and Medical Access:

Direct Primary Care at Integrative Family Medicine of Asheville (

  • Unique partnership with the #1-rated cash-pay clinic in WNC to lower your entry fee!
  • IFMA provides direct primary care with an integrative focus at reasonable prices.
  • Membership-basis with monthly fees allows IFMA to keep copay low at $20/visit
  • Membership termination in under 12 months results in $250 early cancellation fee
  • Hummingbird clients are buffered from future monthly fee increases for 12 months

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For a personalized quote, complete the request below and one of our professional agents will be in touch within 1-2 business days. If you have any questions, please don't hesitate to call us directly at 828-372-0101 for free help.

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