Health Insurance
Not yet eligible for Medicare? We offer individual and family health insurance plans to keep you covered at every stage of life.
Health Coverage for Every Situation
Whether you're self-employed, between jobs, aging out of your parent's plan, or simply need individual or family coverage, finding the right health insurance plan is critical. The right plan protects you financially while giving you access to the care you need.
At MAC Insurance, we help you navigate the health insurance landscape — from ACA Marketplace plans with potential subsidies to short-term coverage and everything in between. Our goal is to find you quality coverage at a price that works.
Types of Plans We Offer
Individual & Family Plans
Comprehensive health insurance for individuals and families. These plans cover essential health benefits including doctor visits, hospital stays, prescriptions, and preventive care.
ACA Marketplace Plans
Plans available through the Health Insurance Marketplace with potential subsidies based on your income. Open Enrollment typically runs November through January.
Short-Term Health Plans
Temporary coverage for gaps between insurance — such as waiting for employer coverage to start, aging out of a parent's plan, or transitioning between jobs.
Catastrophic Plans
Lower-premium plans designed for young, healthy individuals under 30 (or those with hardship exemptions). These cover worst-case scenarios while keeping monthly costs low.
What to Consider When Choosing a Plan
- Monthly premium vs. out-of-pocket costs (deductible, copays, coinsurance)
- Whether your preferred doctors and hospitals are in-network
- Prescription drug coverage and pharmacy network
- Whether you qualify for ACA subsidies based on your income
- Essential health benefits like maternity, mental health, and preventive care
- Annual out-of-pocket maximums that cap your yearly spending
Frequently Asked Questions
What health insurance options are available if I am under 65?
If you are under 65 and not eligible for Medicare, your options include employer-sponsored health insurance, Affordable Care Act (ACA) marketplace plans, short-term health insurance, Medicaid (if you meet income requirements), and COBRA continuation coverage if you recently left a job. An insurance agent can help you compare options based on your situation.
What is the ACA marketplace and how do subsidies work?
The ACA marketplace (Healthcare.gov or your state exchange) offers health insurance plans with standardized coverage tiers: Bronze, Silver, Gold, and Platinum. If your household income is between 100% and 400% of the federal poverty level, you may qualify for premium tax credits that lower your monthly premium, and possibly cost-sharing reductions on Silver plans.
Can MAC Insurance help with non-Medicare health insurance?
Yes. While we specialize in Medicare, MAC Insurance also assists clients with health insurance needs outside of Medicare, including ACA marketplace plans, short-term coverage, and supplemental health products. We can help you find coverage that fits your budget and healthcare needs regardless of your age.
What should I do about health insurance if I am retiring before 65?
If you retire before Medicare eligibility at 65, you can use COBRA to continue your employer plan for up to 18 months (though you pay the full premium), enroll in an ACA marketplace plan (losing employer coverage qualifies you for a Special Enrollment Period), or explore short-term health insurance as a bridge until Medicare begins.
Get the Coverage You Need
Don't go without health insurance. Contact us today for a free consultation and let us help you find a plan that fits your life.