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 ---
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)))
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):
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.
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
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
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
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
Family deductible: around $9,000
Family out-of-pocket max: up to ≈ $18,000 in a bad year
Guaranteed issue (no health questions)
Covers all ACA “essential health benefits”
Strong “worst-case” protection once you hit the out-of-pocket max
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.
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.
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.
Materials open in a new tab. Questions about a carrier program? Contact us.
Partner products
