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Best Life Insurance Companies in Grand Rapids

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Anchor Insurance Group, Inc logo
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License Verified:

License: 958615

Michigan Department of Insurance and Financial Services

Anchor Insurance Group, Inc

1275 Peck Street, Muskegon, MI 49441
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  • Life Insurance

Business Description

Anchor Insurance Group, Inc. is an independent agency that provides insurance services to residents and businesses of Grand Rapids and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like term life and permanent life insurance. Additionally, it provides business insurance packages like business interruption, business property, commercial auto, and workers’ compensation. Jim Mines bought Cloetingh Seaway General and decided to rename it to Anchor Insurance Group, Inc.

License Verified:

License: 958615

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
3.0 / 5 (52)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Aspen Insurance Group logo
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License Verified:

License: 8997357

Michigan Department of Insurance and Financial Services

Aspen Insurance Group

5075 Cascade Road Southeast, Grand Rapids, MI 49546
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  • Life Insurance

Business Description

Serving Grand Rapids, Aspen Insurance Group is an independently owned insurance agency that represents multiple insurance carriers to deliver custom-tailored policies that match clients' unique needs. Insurance associates at the company are committed to protecting the policyholder and family members in the event of the unexpected. They carry different types of life products that provide temporary and permanent benefits. Aspen Insurance Group also insures homes, autos, boats, motor homes, condominiums, and classic cars.

License Verified:

License: 8997357

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.0 / 5 (55)
Facebook
5.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bill Cole logo
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License Verified:

License: 0111964

Michigan Department of Insurance and Financial Services

Bill Cole

2169 Wealthy St SE, Grand Rapids, MI 49506
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  • Life Insurance
  • Health Insurance

Business Description

Bill Cole is a State Farm insurance agent that serves individuals and businesses in the Grand Rapids area. He offers term, whole, and universal life insurance policy options that fit the needs of each client. He also assists with risk management options for health, personal properties, business owners, and worker compensation. Bill has been in the industry for over 10 years. He gives back to the community through the Down Syndrome Association of West Michigan.

License Verified:

License: 0111964

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (76)
Facebook
4.2 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Boer Insurance Group logo
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License Verified:

License: 0017342

Michigan Department of Insurance and Financial Services

Boer Insurance Group

2535 5 Mile Road Northeast, Grand Rapids, MI 49525
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  • Life Insurance

Business Description

Boer Insurance Group offers insurance packages and assistance to its clients residing in Grand Rapids. It offers life, auto, home, condo, renters, umbrella, and other types of insurance to individuals, their families, and businesses in the area. With extensive experience since its founding in 1917, it has the command in insurance, which helps the company assist its clients. It is a Trusted Choice independent insurance agency, and its insurance agents follow a process that centers on customer focus and satisfaction.

License Verified:

License: 0017342

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (205)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Buchanan Insurance logo
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License Verified:

License: 9517979

Michigan Department of Insurance and Financial Services

Buchanan Insurance

2305 East Paris Avenue Southeast, Grand Rapids, MI 49546
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  • Life Insurance

Business Description

Buchanan Insurance is an insurance brokerage that has been working for families and small businesses in West Michigan, including Grand Rapids, since 1967. As an independent and family-operated agency, its set of personal solutions include whole, term, and variable life insurance programs. Its corporate insurance options additionally cover workers' compensation, medical LLCs, and home-based business insurance. The agency also assists clients in filing claims with Amerisure Insurance, Liberty Mutual, and Berkshire Hathaway GUARD Insurance Companies.

License Verified:

License: 9517979

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (22)
Facebook
4.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dalessandro Agency Inc logo
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License Verified:

License: 7232759

Michigan Department of Insurance and Financial Services

Dalessandro Agency Inc

1500 44th Street Southeast, Kentwood, MI 49508
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  • Life Insurance
  • Health Insurance

Business Description

Dalessandro Agency Inc has been tending to the life insurance needs of individuals and families in Grand Rapids since 1995. This independent insurance agency offers term and permanent life policy options. Its advisors are experienced in handling insurance products, including health, home, condo, farm, and commercial insurance. Moreover, Dalessandro Agency partners with companies, such as Alfa Insurance, Liberty Mutual, Michigan Insurance Company, and Safeco Insurance. It is also licensed to provide these services in Illinois, Ohio, and Indiana.

License Verified:

License: 7232759

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.0 / 5 (97)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
DeVries & Royston Insurance logo
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License Verified:

License: 0089844

Michigan Department of Insurance and Financial Services

DeVries & Royston Insurance

488 Kinney Avenue Northwest, Grand Rapids, MI 49534
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  • Life Insurance

Business Description

DeVries & Royston Insurance helps clients in Grand Rapids find life insurance products best suited for their needs. Its agents guide customers on various concerns about life insurance, such as what type of coverage to get and who or what requires coverage. They help people understand that life insurance is beneficial for anyone. DeVries & Royston also assists clients in finding individual health insurance, homeowners' insurance, and pet insurance. It is a member of the Michigan Association Of Independent Agents.

License Verified:

License: 0089844

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.0 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dykstra Agency, Inc. logo
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License Verified:

License: 959626

Michigan Department of Insurance and Financial Services

Dykstra Agency, Inc.

4260 Plainfield Avenue Northeast, Grand Rapids, MI 49525
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  • Life Insurance

Business Description

Dykstra Agency, Inc. is an independent insurance company that serves clients in the Grand Rapids area. It offers an array of life insurance policies that will protect clients from unexpected occurrences in the future. Its packages include term life, which helps achieve temporary goals, and permanent, which is designed to give lifelong protection. The company also provides risk protection packages for homes, automobiles, and workers' compensation. Its website has an insurance glossary and informative link resources, which customers can utilize to learn more about different insurance plans.

License Verified:

License: 959626

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Great Lakes Financial Insurance Agency logo
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License Verified:

License: 8710986

Michigan Department of Insurance and Financial Services

Great Lakes Financial Insurance Agency

771 Kenmoor Ave Ste. A, Grand Rapids, MI 49546
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  • Life Insurance
  • Long Term Care

Business Description

For over three decades, Great Lakes Financial Insurance Agency has been serving clients in Grand Rapids. It provides life insurance products, like universal, variable universal, and whole life policies. The agency educates clients on matters like tax liability. It also offers other financial products, like disability insurance. The agency works with multiple insurance carriers, including AIG, Prudential, and Transamerica Life Insurance Company. Its office manager, Melanie Sullivan, is a former customer service team member of the healthcare company Aetna Inc.

License Verified:

License: 8710986

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Great Lakes Insurance logo
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License Verified:

License: 16724419

Michigan Department of Insurance and Financial Services

Great Lakes Insurance

3205 68th Street Southeast, Caledonia, MI 49316
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  • Life Insurance
  • Health Insurance

Business Description

Since 2003, Great Lakes Insurance has been helping clients protect their families, assets, and finances. It provides individuals in Grand Rapids with life insurance that can cover bills, pay for some expenses incurred running a family business, and finance the family's future needs in the event of a tragedy. The agency offers various coverages, such as term, final expense, universal life, indexed universal, and whole life insurance. Great Lakes Insurance is a family-owned company run by Kinzie Financial Services.

License Verified:

License: 16724419

Michigan Department of Insurance and Financial Services

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance Advantage logo
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License Verified:

License: 3414608

Michigan Department of Insurance and Financial Services

Insurance Advantage

5234 Plainfield Avenue, Grand Rapids, MI 49525
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  • Life Insurance

Business Description

Insurance Advantage is a family-owned independent insurance agency that serves the residents of Grand Rapids and the rest of Michigan for more than two decades. It provides life insurance policies. It also offers other insurance products, such as home insurance, auto insurance, pet insurance, and business insurance. The insurance providers that it represents include AAA, Cincinnati Insurance, and PriorityHealth. The Insurance Advantage team has a combined experience of more than 75 years in the insurance field. The company is a Trusted Choice Agency.

License Verified:

License: 3414608

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (108)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
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Detail
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J.F. Zwack Insurance Agency, Inc. logo
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License Verified:

License: 9080511

Michigan Department of Insurance and Financial Services

J.F. Zwack Insurance Agency, Inc.

PO Box 377, Belmont, MI 49306
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  • Life Insurance
  • Health Insurance

Business Description

J.F. Zwack Insurance Agency, Inc., is a family-owned and family-operated insurance agency. For over 50 years, it has provided insurance solutions to businesses and individuals in Grand Rapids. As an independent agency, it represents multiple insurance carriers and offers a wide variety of policies. Its personal line options include auto, home, health, pet, and life insurance products. Meanwhile, its commercial insurance lines cover commercial liability, commercial auto, property, umbrella, and workers' compensation.

License Verified:

License: 9080511

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Facebook
5.0 / 5 (14)
Google
3.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
JB Harrison logo
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License Verified:

License: 4598759

Michigan Department of Insurance and Financial Services

JB Harrison

6661 Alden Nash Avenue Southeast, Alto, MI 49302
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  • Life Insurance

Business Description

JB Harrison is an independent agency that helps identify the right insurance product for clients in Grand Rapids and the surrounding areas. It has been delivering life insurance solutions for more than 20 years. Its agents offer life insurance plans that protect clients' income, creating immediate cash funds in the event of death or disability. Additionally, they also provide home, auto, and business insurance policies. The company's agent, Daniel Urich, holds a Life Underwriting Training Council Fellowship designation.

License Verified:

License: 4598759

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
4.0 / 5 (16)
Facebook
4.0 / 5 (9)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Linkfield & Cross logo
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License Verified:

License: 958795

Michigan Department of Insurance and Financial Services

Linkfield & Cross

1600 East Beltline Avenue Northeast, Grand Rapids, MI 49525
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  • Life Insurance

Business Description

Linkfield & Cross is a full-service insurance company that has been providing benefits to several policyholders in Grand Rapids since 1982. It offers life insurance products, including term life and permanent life policies. With over 20 years of experience, its team of professionals assists clients in finding plans that align with their current needs and budget. Furthermore, they utilize a computerized rating system to compare the rates of carrier companies with the same coverage.

License Verified:

License: 958795

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (26)
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ottawa Kent logo
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Ottawa Kent

7472 Main Street, Jenison, MI 49429
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  • Life Insurance

Business Description

Ottawa Kent is an independent insurance agency that provides insurance services to individuals and businesses in Grand Rapids and surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life and health insurance plans, which cover universal life insurance, whole life insurance, term life insurance, child life insurance, and Medicare supplement insurance. It has served the Western Michigan area for more than 40 years and is currently led by company president Mike Haverdink.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
RCB & Associates logo
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License Verified:

License: 3701710

Michigan Department of Insurance and Financial Services

RCB & Associates

6147 28th Street Southeast, Grand Rapids, MI 49546
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  • Life Insurance
  • Long Term Care

Business Description

RCB & Associates offers a variety of insurance services in Grand Rapids. It provides individual life insurance, group life insurance, and voluntary group life insurance. The business also offers individual medical insurance, individual dental insurance, group long and short-term disability insurance, group long-term care insurance, and voluntary group accident insurance. It also has flexible spending account administration services and employee assistance programs. RCB & Associates has been offering its comprehensive services to customers since 2002.

License Verified:

License: 3701710

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (35)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Warsen Insurance logo
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License Verified:

License: 959350

Michigan Department of Insurance and Financial Services

Warsen Insurance

6700 South Division Avenue, Grand Rapids, MI 49548
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  • Life Insurance

Business Description

Warsen Insurance is an independent insurance agency in Grand Rapids, providing personal and commercial risk management solutions since 1949. It offers life and health insurance policies, as well as long-term care and disability coverage. Policies for homeowners, auto, boat, and motorcycle are available. The company assists small businesses, manufacturing companies, and breweries. Business insurance options include general liability, property, auto, and workers compensation insurance. Warsen Insurance is a family-owned fourth-generation company representing different insurance companies.

License Verified:

License: 959350

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.0 / 5 (40)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Weadock & Associates LLC logo
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License Verified:

License: 8291127

Michigan Department of Insurance and Financial Services

Weadock & Associates LLC

1025 Spaulding Avenue Southeast, Grand Rapids, MI 49546
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  • Life Insurance
  • Health Insurance

Business Description

Weadock & Associates LLC is a family-owned and independent agency that has been delivering insurance services since 2000. Its founder, John Weadock, has over 50 years of experience providing life insurance solutions for individuals and businesses in Wyoming and the surrounding areas. Together with his team, they focus on listening and educating clients in selecting the right insurance policy. They offer different types of life insurance, including universal life and term life plans. Other products are health, employee benefits, property and casualty, and disability insurance plans.

License Verified:

License: 8291127

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
White & Associates logo
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License Verified:

License: 0300832

Michigan Department of Insurance and Financial Services

White & Associates

6739 Courtland Drive Northeast, Rockford, MI 49341
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  • Life Insurance

Business Description

White & Associates is an independent insurance agency that has been serving the residents of Grand Rapids for more than a century. It offers term life insurance and whole life insurance, as well as health insurance, long-term care insurance, and disability insurance. Additionally, it provides homeowners, auto, and business insurance options. White & Associates works with various insurance companies, such as the Michigan Insurance Company, EMC Insurance, Fremont Insurance, Frankenmuth Insurance, and The Cincinnati Insurance Companies.

License Verified:

License: 0300832

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Winter Insurance Agency logo
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License Verified:

License: 979439

Michigan Department of Insurance and Financial Services

Winter Insurance Agency

508 East Fairplains Street, Greenville, MI 48838
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  • Life Insurance

Business Description

Winter Insurance Agency is an insurance provider that serves clients in Grand Rapids and has been operating since 1979. With over 40 years of combined experience, its insurance agents help find products that suit its clients' needs. Winter Insurance Agency provides various vehicle insurance and property insurance. It also offers life insurance and disability insurance. The insurance company also caters to business insurance and workers' compensation insurance. Winter Insurance Agency is a member of the Michigan Association of Independent Agents.

License Verified:

License: 979439

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Which is better, term or whole life insurance?

Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

How much life insurance do I need?

A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

How does life insurance work?

The details of how life insurance works depend on your individual plan, but the basics are as follows: 

  • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
  • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
  • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.

How much is life insurance?

The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

Is life insurance taxable?

Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


Can I buy health insurance that is not Obamacare?

When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

Can I buy health insurance anytime?

To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

Read all FAQs