Marketplace Alternative Plans

• OneHealth gives you nationwide access to the Cigna Choice Plus PPO network with year‑round enrollment and multiple plan options.

• Cigna Choice Plus PPO

• Preventive care

• Doctor visits & specialists

• Hospitalization & surgery

• Prescription coverage

• Not an ACA Marketplace plan

• Not short‑term medical

• Uses medical underwriting

• Pre‑existing conditions aren’t covered

• Self‑employed & 1099

• Families needing PPO access

• Anyone priced out of ACA plans

Both carriers operate in the fixed‑indemnity medical space

New Era’s under‑65 portfolio is built around fixed‑indemnity medical plans,

As ACA Alternative

New Era is ideal for clients who:

• Cannot pass STM underwriting

• Recently lost ACA coverage due to non‑payment

• Are subsidy‑ineligible and need long-term alternatives

• Want predictable, cash‑based payouts

• Need multi‑year renewable non‑ACA coverage

Strengths

• Predictable cash payouts per service

• Easier underwriting than STM

• Multi‑year renewable

• Strong training ecosystem (claims, telehealth, underwriting speed)

  • Assisting Clients With Submitting Claims

  • Discovering New Era Telehealth

  • Ensuring Speedy Underwriting

Limitations

• Not comprehensive

• Pre‑existing condition limitations

• Works best when paired with accident + critical illness

Philadelphia American (PAMIC) is also a fixed‑indemnity medical carrier, but with richer payout schedules and more robust rider options than New Era.

As ACA Alternative

Best for clients who:

• Need long-term non‑ACA coverage (12–36 months)

• Are healthy but subsidy‑ineligible

• Want higher hospital/surgery/outpatient payouts

• Need a more “major‑medical‑like” indemnity structure

Strengths

• Higher payout schedules than New Era

• Strong hospital, surgery, and outpatient riders

• Multi‑year renewable

• Excellent for early retirees and high‑income earners

Limitations

• Higher premiums

• Same indemnity limitations (not ACA‑compliant)

• Requires expectation-setting

ACA enrollment availability varies by state.

This health insurance can be purchased at any time.

This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your Certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.

This plan has a pre-existing limitation provision that may prevent coverage from applying to medical conditions that existed prior to this plan effective date.

Gary A Coleshill

Licensed Agent

Office: 480 856 7782 x 100

Cell & Text 480 208 4366

NPN: 6746746

gary@coleshillprotects.com