Insurance Types We Offer
FreedInsure is an independent brokerage offering health, life, dental, vision, and supplemental insurance across 42 states. Every product below is available through a single licensed advisor — at no cost to you.
Not sure where to start? See if you qualify for $0 health coverage, or browse our complete product directory below.
Last updated: October 5, 2026
Health InsuranceMedical Coverage
Health insurance is the foundation of any benefits plan. It covers your doctor visits, hospital stays, prescriptions, preventive care, and emergency treatment. The right plan depends on three things: your income (which determines whether you qualify for federal subsidies), your doctor preferences (whether you need a specific provider network), and your enrollment timing (whether you’re shopping during Open Enrollment or outside it).
FreedInsure compares ACA marketplace plans, private PPO options, $0 premium plans, and minimum essential coverage so you see every option side-by-side. Check your eligibility →
ACA / Obamacare
Marketplace plans with federal premium tax credits for households at 100–400% of the federal poverty level under current law. Open Enrollment and Special Enrollment available.
Explore ACA plans →PPO Health Insurance
Private PPO and EPO plans sold outside the ACA Marketplace that use rented provider networks. Apply outside Open Enrollment; approval and start dates depend on the plan. No tax credits apply; if you qualify for one or have a pre-existing condition, an ACA plan usually wins.
Compare PPO plans →Free Health Insurance
$0 premium ACA plans may be available with a premium tax credit. Check eligibility by state and see if you qualify for no-cost coverage. Washington, DC residents enroll through DC Health Link.
Find $0 plans by state →MEC Plans
Minimum Essential Coverage for compliance. Affordable plans that satisfy federal requirements with preventive care included.
Learn about MEC →SIMERP
Self-Insured Medical Expense Reimbursement Programs for employers. Cost-effective alternative to traditional group plans.
Explore SIMERP →Fill the Gaps Your Health Plan Misses
Even the best major medical plan leaves gaps. Deductibles can run several thousand dollars a year. Out-of-pocket maximums can hit $10,600 for individuals or $21,200 for families in 2026 ($12,000 and $24,000 in 2027). Routine adult dental and vision care aren’t essential health benefits, so many ACA plans don’t cover them for adults (children’s dental and vision are essential health benefits). Supplemental insurance closes these gaps with standalone policies that pay you cash directly — or cover services your medical plan ignores.
Many people pair one or more supplemental products with their primary medical plan. Hospital indemnity and accident insurance pay set cash amounts for covered events, which you can put toward deductibles or lost wages; they don’t cap your costs, and you pay any charges above the scheduled amounts. These benefits are generally tax-free when you pay the premiums with after-tax dollars (IRS Publication 525); employer-paid or pre-tax premiums can make them taxable. Critical illness coverage protects against the financial impact of a major diagnosis. Dental and vision handle the routine care your medical plan won’t.
Supplemental Insurance
Overview of every supplemental product we offer — what it covers, what it costs, and how it works alongside your health plan.
Explore supplemental options →Dental & Vision
Standalone dental and vision plans from Ameritas, MetLife, Aetna, and more. No waiting period options available.
See dental & vision plans →Hospital Indemnity
Set cash amounts for covered hospital stays and other covered events, no matter what the bill is. Not major medical; you pay any charges above the scheduled amounts.
Learn about hospital indemnity →Accident & Critical Illness
Lump-sum cash benefits for accidents, heart attacks, strokes, and cancer diagnoses. Pays regardless of other insurance.
Explore A&CI coverage →Disability Income Insurance
Health insurance pays your medical bills. Disability income insurance pays your paycheck when illness or injury keeps you out of work. A serious illness or injury can stop your paycheck for months or years, yet many working Americans have no income protection beyond a few weeks of employer sick pay. For self-employed workers, 1099 contractors, and small business owners, the gap is even wider — there’s no employer disability plan at all.
FreedInsure offers both short-term disability (covers 3 to 12 months of lost income after a short elimination period) and long-term disability (covers months to years, often until age 65 or 67). Policies are commonly designed to replace about 50–70% of your gross income, paid monthly directly to you. Benefits are generally tax-free when you pay the premiums with after-tax dollars (IRS Publication 525); employer-paid or pre-tax premiums can make them taxable. Coverage is especially critical for high-income professionals, sole earners, and anyone whose family depends on a single paycheck.
Disability Income Insurance
Overview of short-term and long-term disability coverage. Replaces 50–70% of your income if you can’t work due to illness or injury.
Explore disability options →Short-Term Disability
Income replacement for 3 to 12 months after a short elimination period. Covers maternity, surgery recovery, and short-term illness or injury.
Compare short-term plans →Long-Term Disability
Income protection for serious or chronic conditions — often through age 65. Critical for self-employed, 1099 contractors, and high-income professionals.
Compare long-term plans →Protect Your Family’s Future
Life insurance replaces your income and covers final expenses if something happens to you. The right type depends on your age, your dependents, and what you’re trying to accomplish — replacing income for a young family, building tax-advantaged cash value, or simply covering funeral costs and final debts. FreedInsure offers all four major types: term life for income replacement, whole life for permanent protection, indexed universal life (IUL) for index-linked cash value (growth isn’t guaranteed), and final expense for burial-cost coverage.
No-medical-exam options are available with many carriers, and some final expense policies can be approved quickly. Quotes are always free and our advisors compare 14+ carriers to find the best rate for your age and health.
How a FreedInsure Broker Combines These Products for You
Most insurance buyers stop after picking a single health plan. That works if you only have one risk to cover, but most people don’t. A complete benefits package usually combines a major medical plan (for doctor visits, hospitals, and prescriptions), one or two supplemental policies (for the gaps), and a life insurance policy (for income protection or final expenses). The combination matters more than any single product.
Here’s how the math can work. Take a single 45-year-old earning $47,880 a year, exactly 300% of the federal poverty level used for 2027 coverage. Under current law, the most they’d be expected to pay for the benchmark ACA Silver plan is 10.22% of income, about $408/month; the premium tax credit covers the rest of that plan’s price, and a cheaper plan can cost less (IRS Rev. Proc. 2026-26; estimate your own 2027 tax credit). That plan covers doctors and hospitals, but it may carry a deductible of several thousand dollars. Adding a hospital indemnity policy at around $35/month pays a set cash amount for covered events, for example $1,500 per covered hospital admission, which they can put toward that deductible; it doesn’t cap their costs. Adding a dental and vision plan at $40/month covers routine cleanings, exams, and a pair of glasses. A short-term disability policy at $30/month can replace 60% of income for up to 6 months if illness or injury keeps them out of work. A 20-year term life policy for $250,000 of coverage adds roughly $20/month. Together, the four add-ons cost about $125/month on top of the medical premium. Supplemental and life prices here are illustrations; actual quotes depend on age, health, state and carrier.
Why Disability Income Belongs in Most Plans
Most people protect their car, their home, and their life — but not their income. That’s backwards. Your ability to earn income is usually your single largest financial asset. A 35-year-old earning $75,000/year who works to age 65 will earn about $2.25 million in lifetime income, before raises. Losing that for even 6 months can wipe out savings and trigger a cascade of missed mortgage payments, credit damage, and forced retirement-account withdrawals. Short-term disability handles the recovery window (surgery, maternity, mental health leave, broken bones), while long-term disability handles the catastrophic scenarios (chronic illness, serious injury, cancer treatment that extends past a year). Together they form the income-side counterpart to your medical-side health insurance.
Why Use a Broker Instead of Buying Direct?
Going directly to one carrier limits you to that carrier’s products and pricing. FreedInsure compares 14+ carriers across 42 states as an independent broker, which means we work for you, not for a specific company. For ACA Marketplace plans, you pay the same premium whether you enroll through us or directly. Our help is free to you.
Practically, that means three things. First, we screen every program you might qualify for — federal premium tax credits, Medicaid expansion, state-specific programs like New York’s Essential Plan or Pennsylvania’s CHIP, and Special Enrollment Period eligibility — in a single phone call. Second, we verify your doctors and prescriptions are in-network before recommending a plan, not after. Third, we coordinate supplemental and life insurance products so they actually fit together with your medical plan, instead of leaving overlap or gaps.
What’s Not on This Page
FreedInsure does not sell Medicare, Medicare Advantage, Medigap, or Medicaid plans. We focus exclusively on under-65 individual and family coverage, plus supplemental and life products that complement those plans. If you’re 65 or older and looking for Medicare coverage, we’ll point you to a Medicare-certified broker. If you’re enrolling in Medicaid, we can help you confirm eligibility but the enrollment happens directly through your state’s Medicaid office.
Sources
- HealthCare.gov: Out-of-pocket maximum/limit — $10,600 for an individual and $21,200 for a family in 2026; $12,000 and $24,000 in 2027
- HealthCare.gov: Dental coverage in the Marketplace — dental coverage isn’t an essential health benefit for adults
- HealthCare.gov: Premium tax credit — how Marketplace tax credits lower monthly premiums based on household income
- HealthCare.gov: What Marketplace plans cover — pediatric dental and vision are essential health benefits; adult dental and vision aren’t
- IRS Rev. Proc. 2026-26 (PDF) — 2027 premium tax credit applicable percentages (2.15%–10.22%)
- IRS Publication 525 (PDF) — when accident, health and disability benefits are taxable
Not Sure Which Coverage You Need?
A licensed FreedInsure advisor will help you find the right combination of coverage for your situation — completely free.
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