INDIVIDUAL HEALTH INSURANCE

The AFM Benefits Exchange features multiple health insurance options curated specifically for members, including both ACA compliant and short term insurance plans. We can help determine if you qualify for a federal subsidy to reduce the cost of your insurance. Please use the links below to learn more about the plans and contact our Benefits Team at (847) 247-8811 for assistance.

Individual Health Insurance

Our integration with the Health Insurance Marketplace offers quality plans that provide comprehensive coverage. You can compare plans, coverage options and prices to decide what’s best for your needs and your budget. You may qualify for financial assistance through premium tax credits. 

Open enrollment for Health Insurance Marketplace plans is November 1 – January 15. Certain qualifying life events may make you eligible for a special enrollment. Please call our office for more information.

  • Pre-existing conditions are covered
  • Meets all requirements of the Affordable Care Act
  • Preventative Care such as vaccines, screenings and routine exams covered at no cost

Click here for a quote and to enroll in an Individual Health Insurance plan.

Questions? Call us at (847) 247-8811.

Short Term Health Insurance and Indemnity Plans 

Disclaimer: 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 policy 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 policy 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. Also, this coverage is not “minimum essential coverage.”

Short Term Health Insurance 

Enroll at any time!

You can get immediate coverage with Short-Term Health Insurance, including many of the same benefits as an ACA compliant plan for a fraction of the cost. Short-Term Health Insurance does not cover pre-existing conditions but may be a great option during a time of transition. Short-Term insurance is not available in all states and federal law limits the length of coverage to no more than four months.

Click here for a quote and to enroll in a Short-Term Health Insurance plan.

Questions? Call us at (847) 247-8811.

Hospital Indemnity Insurance

Fixed indemnity insurance helps take some of the worry out of budgeting for medical expenses by helping you pay for things like doctor office visits, prescriptions, and hospital stays even before you’ve met your main health insurance deductible. It pays fixed benefits for services covered by the plan no matter where you get care and regardless of other insurance payments.

Click here for a quote and to enroll in a Hospital Indemnity Insurance plan.

Questions? Call us at (847) 247-8811.