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Individual Health Insurance

Major Medical Health Insurance Plans (Marketplace)

HEALTH INSURANCE FOR YOU AND YOUR FAMILY (under 65)

When you need comprehensive health coverage

We have over 30 years of experience providing expert guidance to Arizonians when buying health insurance.

Through the marketplace, we offer a variety of individual and family major medical health insurance plans from some of the best carriers in the nation.  Meeting all of the minimum essential benefit standards of the Affordable Care Act (ACA or “Obamacare”), these plans provide a broad range of inpatient and outpatient health-care services and are designed to cover most of your significant healthcare costs.  They also contain many preventative and wellness benefits that help to keep you and your family healthy, including some mental health benefits.

Do you need comprehensive coverage? Determining your needs depends on your circumstances.  If you have a pre-existing condition and expect to use a lot of health services, the Marketplace may be your best option for comprehensive coverage today.  You may also qualify for a subsidy that will lower your premium.

Types of Health Plans

The following types of health plans are offered on the Marketplace.  Note the marketplace also offers some dental plans.

HMO

An HMO or Health Maintenance Organization is a network of healthcare providers who provide services for an agreed monthly fee.  A primary care physician directs your care.

PPO

A PPO or Preferred Provider Organization is a network of healthcare providers that charge a certain rate, you may go out of network, but those services may not be fully covered.

HSA

An HSA is a health savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses.

Health Insurance, the Marketplace & The Affordable Care Act

Frequently Asked Questions

No.  The federal government has eliminated the ACA mandate.  While some states have implemented their own mandates for health insurance, Arizona is not one of them. While you are not required to have health coverage in Arizona, there are many good reasons to buy a plan from the Healthcare.gov (the Marketplace).

The Federal Marketplace is where you can purchase health insurance (also known as Obama Care) for you and your family.  A plan from the marketplace is considered a comprehensive major medical plan and also contains the essential health benefits as established under the Affordable Care Act (ACA) law.  When you purchase your health insurance through Healthcare.gov (the Marketplace) you are guaranteed issue regardless of any pre-existing condition and you may be eligible for a subsidy to help off-set high premiums.  According to the Federal Government,  9 out of 10 qualify! Too see if you qualify please visit the Marketplace or simply click the “Shop and Compare Plans Now” button at the top of this page.

The essential health benefits are as follows:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Prescription Drugs
  • Mental health and Substance Abuse disorder services
  • Rehabilitative and habilitative services and devices
  • Pediatric services, including oral and vision care
  • Preventive and wellness services, and chronic disease management

It’s important to know that you can only buy health insurance from the Marketplace during the annual open enrollment which is November 1 to December 15th, or unless you qualify for the special enrollment period.

You can still sign up for health insurance after the deadline if you meet any of the following qualifying events:

  • a change in legal marital status
  • a change in the number of dependents
  • a change in place of residence and the current carrier is not available
  • significant cost or coverage change
  • a change in coverage of a spouse or dependent
  • a COBRA qualifying event
  • legal judgements, decrees and orders
  • entitlement to Medicare or Medicaid

As healthcare costs continue to sky-rocket, why go without coverage and run the risk of financial ruin should you or a family member suffer an expected illness or accident?  Studies show that most personal bankruptcies are caused by illnesses and accidents leaving individuals unable to work and strapped with medical bills.

If you qualify for a tax subsidy, a comprehensive health plan from the Marketplace can protect you from financial disaster.  Non-ACA alternatives such as Short-Term Health Insurance, and/or other Supplemental Health Plans , will cost you a lot less than an unsubsidized major medical plan and can protect your finances as well.  However, keep in mind some of these plans have limitations and, in some cases, do not cover certain and/or preexisting conditions.  Click here to learn more about Supplemental Health Plans.

Request FREE Consultation


Shelly Winson is an insurance professional with more than 30 years of experience. She specializes in helping people with the important, and sometimes complicated task of purchasing health, life and other supplemental insurance plans.

Most people don’t consider that one illness or accident can quickly wipe out a nest egg and take away your ability to earn a living without the proper coverage. Shelly can help you avoid this all too common situation with an affordable insurance package to meet your needs and budget.

Affordable, Total Protection

100%

  • Health

    Major Medical or Short Term

  • Supplemental

    Dental & Vision

  • Supplemental

    Hospital, Accident

  • Supplemental

    Critical Illness & Disability

  • Life

    Term or Permanent

  • Other

    Legal & Travel Health

Request FREE Consultation


Shelly Winson is an insurance professional with more than 30 years of experience. She specializes in helping people with the important, and sometimes complicated task of purchasing health, life and other supplemental insurance plans.

Most people don’t consider that one illness or accident can quickly wipe out a nest egg and take away your ability to earn a living without the proper coverage. Shelly can help you avoid this all too common situation with an affordable insurance package to meet your needs and budget.

About Us

True Choice Benefits offers advice and assists Medicare recipients and individuals with Medicare enrollment, health, life and other types of insurance and financial protection plans.

Contact us

PO Box 1914 Chandler AZ 85244-1914

Phone: (480) 750-9974
Fax: (480) 750-7062

Medicare Disclaimer – Important! We do not offer every plan available in your area. Currently we represent 12 of 19 organizations which offer 117 of 146 Medicare Advantage & PDP products in your area. You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.   

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Health Savings Account Or HSA

An HSA is a tax-advantaged bank account tied to certain high-deductible health plans. It allows you to use tax free dollars to pay for allowable health expenses, such as copays, prescription drug costs and more.

Preferred Provider Organization Or PPO

A PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.

Health Maintenance Organization Or HMO

An HMO offers lower premiums and a significant savings on routine and preventative healthcare. However, this type of health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. Thus, if you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. But, the great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.