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Partner Products - For Life's Major Events 

A New Health Insurance Option For Families & Self-Employed
What is Affordable Choice?

Affordable Choice is a fixed indemnity insurance plan underwritten by ManhattanLife, offering guaranteed daily benefits for hospital stays, surgeries, and routine medical services, regardless of provider charges. With no deductibles, 1st-dollar coverage and a range of plans from Elite Plus to Classic, this plan provides customizable coverage for individuals, families, and businesses. --- 3-minute overview video below ---

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Who should consider this new health insurance plan?

This plan is ideal for anyone who meets the following criteria:

  • Anyone who does not qualify for MedQuest or tax-subsidies for ACA-plans on healthcare.gov because their income is too high.

  • Anyone who wants to save 30%-80% on ACA-plans (which could = $1,000+ in premium savings each month)

  • Anyone who is healthy and can pass the 8 underwriting questions.

  • Anyone not getting pregnant (excluded on the policy).

  • A great fit for self-employed, healthy individuals and families.

  • Also good for anyone under 65 who's spouse or partner is aging into Medicare.

Plan Benefits:

  • Hospital Confinement Benefits: Up to $5,000 per day for inpatient care.

  • Surgery Benefits: Reimbursement for both inpatient and outpatient surgeries, including anesthesia.

  • Doctor's Office Visits: Coverage for routine exams with rollover benefits.

  • Preventative Services: Includes lab services, physical therapy, and radiology.

  • Additional Features: Prescription benefits, cancer treatment coverage, and ambulance services.

Affordable Choice delivers flexible coverage at affordable premiums, with discounts negotiated through a broad network of hospitals and healthcare providers. From income protection to superior service, this plan offers peace of mind for self-employed individuals, families, and businesses looking for reliable healthcare solutions

Affordable Premiums

With premiums that scale according to age and coverage type, Affordable Choice provides plans that fit any budget. Choose from individual, spouse, child, or family plans.

 

Rates start out at $67.16/month (for individuals) & $203.45/month (for families)! (((SEE BELOW)))

Why Choose Affordable Choice
Additional Benefits (Included at no extra cost)
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Let Talk!

Ready to explore your options? Schedule a meeting with a licensed OSA agent—at no cost to you. Click below to reach out and let us guide you through the right solutions with clarity and care.

How Affordable Choice Fits With (or Instead of) ACA Plans

3 Real-Life Scenarios for a Family of 4

Assumptions (for illustration only):

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Married couple in their mid-30s, two children, non-tobacco, living in a mid-cost state. Actual premiums and benefits vary by state, age, household, and underwriting.

Scenario 1:

Full ACA Plan for the Whole Family

Best for: Families with serious health conditions, frequent doctor visits, or expensive prescriptions.

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  • Coverage type: ACA Marketplace Bronze plan for all 4 family members

  • Example monthly premium: ≈ $1,700/month (unsubsidized)

  • Annual premium cost: ≈ $20,400/year

  • Example deductible & out-of-pocket:

    • Family deductible: around $9,000

    • Family out-of-pocket max: up to ≈ $18,000 in a bad year

  • Pros:

    • Guaranteed issue (no health questions)

    • Covers all ACA “essential health benefits”

    • Strong “worst-case” protection once you hit the out-of-pocket max

  • Cons:

    • High monthly premiums

    • High deductible and cost-sharing before the plan fully kicks in

    • You may be paying a lot for coverage you rarely use if your family is mostly healthy

This scenario is ideal when one or more family members have ongoing or high-cost medical needs.

Scenario 2:

Affordable Choice for the Entire Family

Best for: Generally healthy families who want meaningful protection but are tired of high ACA premiums and rarely hit their deductible.

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  • Coverage type: ManhattanLife Affordable Choice fixed-benefit plan for all 4 family members

  • Example monthly premium: ≈ $650/month

  • Annual premium cost: ≈ $7,800/year

  • How it works:

  • Pays fixed cash benefits toward doctor visits, specialist visits, labs, ER, surgery, and hospital stays

  • You can use those benefits to reduce or pay medical bills

  • Typical year (a few checkups & minor visits):

  • Family might pay hundreds to a couple thousand out of pocket, after plan benefits, depending on providers and services used

  • Serious year (major surgery or long hospital stay):

  • The plan pays a fixed schedule of benefits, but there is no ACA-style out-of-pocket max

  • You are still responsible for any charges above what the plan pays

  • Pros:

  • Often 30–60%+ lower premiums than many ACA plans for healthy families

  • Predictable fixed benefits for common services

  • Great for people who don’t want to overpay for coverage they rarely use

  • Cons:

  • Not ACA-compliant major medical

  • Does not cover everything an ACA plan covers

  • Pre-existing condition limitations may apply

  • No capped out-of-pocket max like ACA plans have

This scenario is ideal when the whole family is relatively healthy and wants to save significantly on monthly premiums.

Scenario 3: Hybrid Strategy

– One on ACA, Three on Affordable Choice

Best for: Families where one person has higher medical needs, but the rest are healthy and rarely see the doctor.

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  • Coverage type:

  • Spouse with higher medical needs on an ACA Marketplace plan

  • Other spouse + 2 kids on Affordable Choice

  • Example monthly premiums:

  • ACA plan for 1 adult: ≈ $650/month

  • Affordable Choice for 1 adult + 2 kids: ≈ $500/month

  • Total family premium: ≈ $1,150/month

  • Annual premium cost: ≈ $13,800/year

  • (vs. ≈ $20,400/year if all 4 were on ACA in Scenario 1)

  • Out-of-pocket exposure:

  • ACA member: Strong protection w/ an individual out-of-pocket max (for the higher-need person)

  • Affordable Choice members:

  • Lower monthly premiums, fixed benefits for common services

  • In a typical year, out-of-pocket may stay relatively modest

  • In a major event, no ACA-style OOP max – charges above the fixed benefits remain the family’s responsibility

  • Pros:

  • Directs the strongest protection to the person who needs it most

  • Keeps costs lower for the rest of the family by using Affordable Choice

  • Often a good balance between premium savings and risk management

  • Cons:

  • The healthy family members still have more financial exposure in a worst-case scenario than they would on an ACA plan

This scenario is ideal when one person clearly “needs” ACA-level protection and everyone else is paying too much for coverage they rarely use.

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