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Critical Illness Insurance Plans

Critical illness insurance covers what the name says – critical illnesses. Typical illnesses this type of insurance covers include cancer, heart attack, stroke, and certain other illnesses that may vary based on the policy.

Because of the nature of this type of policy, which is designed to only cover serious illnesses, you will still have to pay out of pocket for treatment of any condition that is not described as a covered condition in the insurance policy. This means that any preventative care – such as regular doctor check-ups – or even urgent care treatment is not covered, and you will be responsible for paying out of pocket for the entirety of the cost.

Critical illness insurance may be a good option for you if:

  1. You don’t expect to go to the doctor much, if at all. Since they cover only critical illness, monthly premiums are typically lower than traditional plans. But, keep in mind that critical illness plans only cover certain conditions, so be prepared to pay expensive out-of-pocket costs if you do need medical attention.
  2. It’s outside Open Enrollment and you don’t qualify for Special Enrollment. Critical illness can help bridge the gap between coverage when you can’t enroll in a traditional plan, in the case that you are diagnosed with a covered condition.
  3. You don’t qualify for a government subsidy. Critical illness plans don’t meet minimum ACA requirements, so you won’t get any government help paying your plan premiums or out-of-pocket costs with this type of plan. If you’re eligible for government assistance, be sure to calculate that amount into your costs for both types of plans and weigh your options.
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HealthInsuranceUSA.org is an independent marketplace and is not a federal or state Marketplace website. HealthInsuranceUSA.org does not provide quotes or sell insurance directly to consumers, is not affiliated with any exchange, and is not a licensed insurance agent or broker. Accordingly, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded, as, in offering this website, we are required to comply with the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website or go to the Health Insurance Marketplace website at www.HealthCare.gov

Advertised Pricing:

There are several factors that impact your monthly premium; including, but not limited to your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, this result is subject to change.