Explore all the ACA marketplace health plans available in your area quick and easy

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Find the right ACA health plan

for you

Get cash paid directly to you to help you with expenses like bills, rent, car payments, groceries, child care and more.

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Find the Right accident insurance Plan

Life can come at you fast and sometimes it can be unpredictable. We can′t foresee all the things that can get in your way, but we can help make sure waiting to get paid won′t slow you down. Most covered claims are paid fast so you can focus on your health, not your finances.

Coverage you can count on

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Find the right cancer insurance plan

<h2 style="margin-left:0px;">Why apply for an Aflac cancer insurance policy?</h2>Because having cancer can be expensive. From deductibles and copays, to treatment transportation and childcare, there are lots of expenses that health insurance may not cover. Aflac cancer insurance is here to help you and your family better cope financially - and emotionally - if a positive diagnosis of cancer occurs. Added comfort and protection means the freedom to focus on more important things. We pay cash benefits directly to you (unless assigned otherwise), so you can use anyway you see fit. We want you to be able to focus on your recovery, not your finances.&nbsp;<h2 style="margin-left:0px;">How does an Aflac cancer insurance policy work?</h2>You never know what the future could hold, which is why it’s so important to help protect yourself with Aflac Cancer Protection Assurance. These plans don’t just help with medical expenses if you′re diagnosed with a covered cancer. Rather, they pay you cash directly (unless assigned)—instead of a doctor or hospital—to help you with expenses like bills, rent, car payments, groceries, child care and more. Cancer is expensive, but Aflac Cancer Protection Assurance is designed to help policyholders focus on the most important thing: getting better.&nbsp;<ul><li>Step 1 - You come down with a fever. After frequent infections and a high fever, you decide to head to your physician to see what’s the matter.</li><li>Step 2 - Time for some tests. The physician recommends a bone marrow biopsy to check for cancer.</li><li>Step 3 - You receive your diagnosis. The biopsy results are in, and unfortunately they show you have leukemia.</li><li>Step 4 - You begin treatment. Aflac Cancer Protection Assurance can help with medical expenses like chemotherapy and with non-medical expenses like travel and lodging to help keep life as normal as possible for you and your family.</li></ul>&nbsp;

CANCER INSURANCE

Aflac Cancer Protection Assurance

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ACA Health Insurance

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Short Term Medical Insurance

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Limited Fixed Indemnity Plan

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Dental Insurance

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Cancer Insurance

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Accident Insurance

Insurance coverage we offer

You can’t foresee all the things that can interrupt normal life for you and your loved ones. But we can help make it easier to manage extra costs with cash benefits for covered illnesses paid directly to you.

Just one major illness could leave you with high medical bills. But critical illness insurance can help ease the financial burden so you can focus on what’s most important, your health.

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Critical illness insurance can be a

lifeline

in case of a health crisis

<h2>What is critical illness insurance?</h2>Critical illness insurance is a supplemental health plan that provides benefits following the diagnosis of a qualifying major illness. It's designed for specific life-threatening and disabling conditions like a heart attack or stroke.Because such conditions typically require hospitalizations, tests, and frequent appointments, the out-of-pocket medical expenses can be significantly high, even with major health insurance. Plus, if you’re unable to work, this can take an extra toll on your finances.That’s where critical illness insurance comes in. It offers extra financial support that can help offset the high cost of treatment and even help you keep up with household expenses.<h2>How does a critical illness policy work?</h2>Critical illness insurance policies provide a maximum lifetime benefit in varying amounts. Policies pay a lump sum payment, up to the maximum benefit amount you choose, upon the first diagnosis of a covered illness. This is a cash benefit that’s paid directly to you, so you can use the funds for whatever you choose.Another advantage of critical illness insurance is you can enroll in coverage for yourself or add dependents. Policies typically pay a percentage of the full benefit amount if a dependent is diagnosed with a covered illness.

What it is & How it works

Major illnesses (e.g. kidney failure, certain cancers, heart attack, stroke)

Permanent loss of function (blindness, hearing, paralysis, coma)

Certain disorders (e.g. ALS, multiple sclerosis, advanced Alzheimer’s)

COVERED

WHAT’S COVERED*

Illnesses that don’t meet the policy’s definition of critical

Critical illnesses diagnosed before the policy effective date

Illnesses covered under workers’ compensation coverage

NOT COVERED

Critical illness insurance coverage

You can choose a plan with the benefits and coverage amount you want to fit your healthcare needs and budget.

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Flexible plan options

Cash benefits for covered conditions are paid directly to you, which can help ease the financial stress of a major illness.

Benefits paid directly to you

You can enroll any time of year and get coverage as soon as the next available effective date.

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There’s no enrollment period

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Frequently asked questions

View and compare plans and prices in your area

Explore your options today!

Get benefits that help pay for dental costs such as routine checkups, cleanings, x-rays, sealants, filings, and more.

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Find the right dental insurance plan

<h2 style="margin-left:0px;">What is dental insurance?</h2>Dental insurance is a type of insurance plan that covers a portion of the costs of your dental care. Dental insurance can cover treatments from annual cleanings and minor oral health fixes to big-dollar dental claims for crowns and bridges.<h2 style="margin-left:0px;">What does dental insurance cover?</h2>Dental policies typically include benefits for 3 types of care:<ul><li>Preventive care: Routine checkups, cleanings, x-rays, sealants</li><li>Basic care: Fillings, root canals, periodontal treatment</li><li>Major care: Crowns, bridges, inlays, dentures</li></ul><h2 style="margin-left:0px;">Who is dental insurance good for?</h2>The short answer is: Everyone. But it’s important to know that you don’t need a job to have dental insurance. Whether you need a longer-term dental plan or short-term dental insurance option to fill gaps in coverage, know that you have plenty of flexible options to choose from.You can enroll for an individual dental plan, which works for a variety of scenarios including<ul><li>You’ve lost your job or are in between jobs.</li><li>You missed the annual open enrollment period through your employer.</li><li>You’re on Medicare but don’t have a dental plan.</li><li>You’re a student or recent graduate.</li><li>You’re a freelancer or part-time worker without dental benefits.</li><li>You do not have access to a group dental plan, but you want coverage.</li></ul>You may be tempted to skip getting dental insurance, but the costs are well worth it.Your dentist might see a small cavity that hasn’t become a nuisance quite yet, or spot the early stages of gum disease in your mouth. When dental problems are treated early on, they tend to be easier - and less expensive - to fix. That’s good for your smile and your wallet.<h2 style="margin-left:0px;">How do I get a quote for dental insurance?</h2>Wondering where to enroll for dental insurance? The good news is you don’t have to go too far: You can quickly and easily compare dental plans through Health Elect. Just submit your ZIP code, birthday, and gender to get instant dental plan quotes in your area.

DENTAL INSURANCE

Save on dental care with dental insurance

AgileHealthInsurance partners with established, reliable dental insurance companies across the country to offer you low-cost dental insurance plans. Get affordable dental insurance quotes today to keep your oral health in check.

Get dental insurance coverage by these carriers

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Apply for limited fixed indemnity benefit plan with benefits as soon as the next day.

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Find the right limited fixed indemnity benefit plan

A Limited benefit medical policy provides fixed cash benefits to you for hospital stays and other medical costs which can be used to help pay for deductibles or other expenses not covered by your primary health coverage. It is a type of supplemental insurance and is designed to complement traditional health insurance, not replace it.When you are admitted to a hospital or ICU for a covered sickness or injury, or need outpatient surgery, emergency room visits, or other medical services, the plan pays cash directly to you, so you can help pay off medical expenses that your regular health insurance may not cover.

HOW IT WORKS

How limited fixed indemnity benefit plans work

Preventive care such as routine physicals

PAYABLE BENEFITS

AVAILABLE BENEFITS*

Any non-medically necessary surgical procedures

LIMITATIONS OR EXCLUSIONS

Limited fixed indemnity benefit plan coverage

There is no official open enrollment period, and you can apply anytime.

Apply year round

Payments made directly to you, not a hospital. Use the money however you decide.

Use money however you choose

There are no medical exams to take and no health questions to answer.

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Guaranteed Issue

&nbsp;We act for human progress by combining passion with advanced expertise to protect what matters when it matters. We design solutions and services that fit your requirements.&nbsp;We’ve been around for a long time. Our history stretches back almost 60 years with the creation of the first travel assistance company offering a medical repatriation service. Building on our expertise in emergency assistance, we have broadened our scope to protect your well-being by connecting you with quality, essential health coverage. Health Elect, brought to you by AXA Assistance USA, Inc., helps find the right insurance plans to safeguard your health and ease financial burdens.&nbsp;As a wholly owned subsidiary of AXA Group, we are trusted and recognized worldwide for our unparalleled network of experts protecting property, people, and financial assets.&nbsp;Our commitment is to help you live life to the fullest, with our trusted partners we deliver products that can make you feel confident in the health protection you need, whenever you need it.&nbsp;Health insurance agency services provided by HealthPlan Intermediaries Holdings, LLC, a Benefytt company.&nbsp;

About AXA

Discover the health insurance options available to you.

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Explore

Select the plan that's right for you. Apply online, or by phone.

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Compare

Start using your health insurance as early as the next day.

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Enjoy

Health Elect helps you find the right plan for your healthcare needs. Select insurance type to get started: 

Explore your health insurance options with

Health Elect

Affordable Care Act, also known as ACA or Obamacare plans, is health insurance that provides comprehensive medical benefits to individuals and families.

This is temporary medical insurance between jobs when you have gaps in coverage. These plans can be purchased for as little as 30-days or up to 364-days.

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Also known as limited-benefit plans or fixed indemnity insurance, these supplemental plans pay a set benefit for specific qualifying medical services.

These plans cover a portion of the costs of your dental care and services such as routine checkups, annual cleanings, x-rays, sealants, fillings and more. 

dental

This is a supplement plan that can help cover the costs of an unexpected, qualifying accident that your existing medical insurance plan may not cover.

accident

This type of insurance policy can ease the financial burden of out-of-pocket costs like copays, deductibles, chemotherapy, transportation and more.

cancer

Our AXA Link feature allows you to create a link that you can send to your customers to give them access to all AXA Health Elect Insurance products. We will then report sales to you by customer.

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How AXA Link works

AXA Link

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Apply for short term medical insurance with coverage as soon as the next day

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Find the right short term medical insurance plan

Short term medical insurance -- also known as a temporary insurance -- is an insurance plan that you can apply for as little as 30 days or up to 364 days (depending on your state) to fill gaps in insurance coverage.These plans use the same insurance terms you may already be familiar with: deductible, coinsurance, and copay. But short term medical insurance plans do not cover all of the same benefits that an Affordable Care Act (ACA or Obamacare) plan would, like pre-existing conditions or maternity care. That’s why short term medical insurance premiums tend to be lower in cost.

  How short term medical insurance works

Inpatient and outpatient hospital services

Short term medical insurance coverage

You can enroll at any time, and coverage can begin as soon as the next day.

There's no enrollment period

Insurance plans start at less than $99 a month. Plan costs vary by age and coverage type.

It is affordable

Coverage period can range from 30 to 364 days with enrollments up to 3 years, depending on your state of residence.

Flexible length of coverage

Take advantage of this amazing time in telemedicine.

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Teladoc's platform enables you to have a virtual medical exam with one of over 3100 real doctors from the comfort of your own home on your phone or computer… for only %(monthlyBase)s a month!

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Talk to an online doctor 24 hours a day

with Teladoc

For only {fee} a month, many common health issues can be treated online through telehealth virtual doctor visits like those offered through our partner, Teladoc.If you’re having cold or flu symptoms, allergies, infections, skin issues, or you’re just worried about your newborn baby, an online medical consultation with a real doctor can bring you peace of mind.Teladoc doctors can also prescribe medication if necessary, and you don’t need insurance to get Teladoc!Talking to a doctor online has never been easier, or more affordable. For only {fee} a month, you get unlimited access to Teladoc’s vast network of virtual doctors and professionals who can answer any medical question you have, 24 hours a day, 7 days a week.Save time or a potentially expensive trip to urgent care! Time is our most precious and valuable commodity, so take control of your life and get faster healthcare through telemedicine for only {fee} a month! That value is impossible to beat in the healthcare industry!

TELADOC - TALK TO AN ONLINE DOCTOR 24 HOURS A DAY

In this new era of virtual technology, are you taking advantage of the value of telemedicine?

SHORT TERM HEALTH INSURANCE AND LIMITED BENEFIT MEDICAL INDEMNITY INSURANCE ARE INSURANCE OUTSIDE OF THE AFFORDABLE CARE ACT (OBAMACARE). THEY DO NOT COVER PRE-EXISTING CONDITIONS AND DO NOT INCLUDE ALL TEN OF THE MINIMUM ESSENTIAL BENEFITS OF OBAMACARE. LIMITED BENEFIT MEDICAL INDEMNITY INSURANCE IS DESIGNED TO PROVIDE ADDITIONAL BENEFITS TO SUPPLEMENT MAJOR MEDICAL INSURANCE. IT IS NOT AVAILABLE IN SOME STATES LIKE NEW JERSEY AND YOU MAY NOT BE PERMITTED TO PURCHASE IT IN OTHER STATES WITHOUT PROOF OF MAJOR MEDICAL INSURANCE. 

 Health insurance agency services provided by Health Plan Intermediaries Holdings, LLC, or its wholly owned subsidiary HealthPocket, Inc. d/b/a AgileHealthInsurance, a Benefytt company.

The health insurance market has changed significantly over the years. Learning Center Articles reflect the market at the time they were published and may no longer be applicable.”

Find the right limited fixed indemnity benefit plan for you

How limited fixed indemnity benefit plans work

Limited fixed indemnity benefit plan coverage

Explore your options today!

Insurance coverage we offer

ACA DISCLAIMER