Health Insurance

ACA Marketplace plans provide comprehensive individual and family major-medical coverage designed to protect your health and finances.

Individual & Family Coverage

Essential Health Benefits

Pre-Existing Condition Protections

Marketplace Financial Assistance for Eligible Applicants

Comprehensive major-medical health coverage tailored for individuals and families across Arizona.

Includes doctor visits, preventive care, outpatient services, hospital care, and prescription benefits.

Guaranteed coverage that cannot deny care or charge higher rates based on pre-existing health conditions.

Financial assistance and premium tax credits may be available based on household income and eligibility.

Short-Term Medical Insurance

Short-term medical insurance through Pivot Health provides temporary medical coverage that may be useful during certain gaps or transitions, such as between jobs, waiting for employer coverage, or needing temporary coverage.

Short-term medical insurance is not ACA-compliant comprehensive major-medical coverage and may have exclusions, limitations, medical underwriting, and restrictions involving pre-existing conditions. Benefits and availability vary by plan.

Which Type of Coverage May Fit Your Situation?

ACA Marketplace and short-term medical coverage serve different needs. JLAC BeneConnect can help clients understand the differences, including eligibility, coverage, costs, provider access and limitations, before choosing coverage.

Losing Employer Coverage

Self-Employed

Individual or Family Coverage

Leaving a job or losing group health benefits opens a Special Enrollment Period to evaluate ACA Marketplace coverage.

Independent business owners and contractors can establish comprehensive individual coverage for year-round security.

Reliable major-medical plans designed to protect your household against unforeseen medical expenses.

Between Jobs

Waiting for New Coverage

Life Changes

Short-term coverage options can provide temporary peace of mind while searching for your next career position.

Fill waiting periods between enrollment dates or newly started employment benefits with bridge protection.

Events such as marriage, relocation, or aging off parent plans may create new health insurance opportunities.

Let’s discuss your situation and explore available health coverage options.

Coverage, eligibility, benefits, exclusions, limitations and availability vary by plan and insurer. Short-term medical insurance is not required to comply with federal ACA market requirements and may exclude or limit coverage for pre-existing conditions.

Simple Guidance. Brighter Tomorrows.