Plans for US Citizens and Residents

Plans for US Citizens and Residents

Oscar Health Insurance : Oscar Insurance Corporation, USA offers excellent options for US Citizens and Residents looking for ACA compliant health insurance plan. These plans can be purchased by anyone and there is no income requirements. However, if you have lower income than the ACA mandate, you may be eligible to receive subsidy which will be automatically determined based on your financial situation. The plans are available in several states but not all. Please check out whether Oscar plan is avaiable in your state by clicking on the link Oscar Health Insurance Quote

Humana Health Insurance:( underwritten by Kanawha Insurance Company) provides Obamacare qualified plans minus the hassle of going through the Obamacare web site. This is good for individuals and families that do not qualify for any kind of tax rebate towards their premium dollars. If your income is too low or above the established limits for subsidy (roughly if HH income 50K), one can take adv antage of this program. Click here for more information and application


United Health Insurance Plans: (underwritten by UnitedHealthcare and its affiliates) provide both fixed, and major medical insurance Programs for US Citizens and Residents who are working and living in the United States on a longterm basis. Not available for ages above 65. Offers temporary insurance cover from 30 days to 180 days as well as long term insurance plans. Click here for more information and application.


IHC SHORT TERM HEALTH INSURANCE PLANS (STM): (underwritten by Madison National Life Insurance Company, Inc.) The Insurance Plans below are Underwritten by Standard Security Life Insurance Company of New York, a member of The IHC Group. Temporary health insurance for 30 days to 364 days. Available to persons aged 18-64 years old, their spouse, and dependent children under 26 years old. Child-only coverage is available for ages 2-18 years old.
IHC Short Term for membes in between employment or other situations
Temporary health insurance is a perfect solution for individuals needing insurance in the short term, whether they are uninsured, unemployed, self-employed or just need an affordable insurance product that fits their monthly budget. Compare plans and pricing, and find the best option. Click here for more information and application

IHC Critical Illness Plan: Critical Illness Insurance provides a lump sum benefits when a covered medical condition is diagnosed. The payment is made to the insured for treatment, daily household expenses, car payment, and other personal expenses. This insurance proved benefits for people experiencing cancer, heart attack, stroke, major organ failure, colony artery bypass, angioplasty, coma, paralysis, severe burn, and more.

IHC Telemedicine Insurance: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act. This plan provides discounts at certain healthcare providers for medical services. This plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization. Online fulfillment – at the conclusion of this application, you will be able to print out a copy of your application and benefit information.

IHC Dental Insurance:

  • The total cost includes all applicable dues and fees.
  • The total cost does not include a one-time enrollment fee.
  • The insurance coverage is available only to members of Communicating for America, Inc.
  • Group association dental insurance under the IHC Dental plans is underwritten by Madison National Life Insurance Company, Inc. in all states except Maine, New Hampshire and New York where IHC Dental is underwritten by Standard Security Life Insurance Company of New York.
  • The application must be received by the administrator prior to the requested effective date, and the initial premium must be received by the administrator prior to issuing coverage. If a monthly billing method has been selected, future premium will be due on the first of each month.
  • Do not lapse or cancel current insurance coverage unless you receive a written notice from the insurance company that your application for coverage has been approved.
  • Spouse includes domestic partner in the following states: DC, NY


Comprehensive Coverage with Pre Existing Conditions Standard Plans from $50,000 MultiPlan Network for Network based (80/20) Coverage Premier Plans with Pre-Existing Conditions Network based (80/20) Coverage Europ Assistance Services RX Prescription Discount Card