Add to your book of business by selling

Under 65 Insurance

Major medical health insurance or Affordable Care Act plans are long-term, comprehensive plans that cover a majority of the medical costs that an average American will pay per year.

Under-65 Insurance Carriers

These plans provide benefits for an array of inpatient and outpatient healthcare services. They typically have a deductible which the consumer must pay. Once the deductible is paid, the plan covers most of the cost of care.

Major medical insurance is available through employers and individuals through ACA federal and private market health exchanges. It is also available through Medicare and Medicaid.

Benefits in Selling
Affordable Care Act Products

  • Turn your ACA clients into Medicare Clients by developing your relationship 
  • Less compliance
  • Agents can cold call, door knock and putting fliers on windshields at Wal-Mart.
  • Large expansions

Under 65 (ACA) Products

Aetna ACA

Aetna ACA

Ambetter ACA

Ambetter ACA

Anthem/Amerigroup ACA

Anthem/Amerigroup ACA

BlueCross BlueShield of NC ACA

BlueCross BlueShield of NC ACA

BlueCross BlueShield of South Carolina

BlueCross BlueShield of SC ACA

Bright Health

Bright Health ACA

Cigna ACA

Cigna ACA

Friday Health ACA

Friday Health ACA

Molina Healthcare ACA

Molina Healthcare ACA

UnitedHealthcare ACA

UnitedHealthcare ACA

Oscar ACA

Oscar ACA

Caresource ACA


Who Should Have Major Medical Insurance?

Major medical insurance is important for everyone, regardless of age. Designed to pay for hospital, surgical, and medical expenses, major medical insurance has guaranteed issue coverage. Consumers cannot be denied coverage or charged more based on their medical history.

Health insurance premiums for major medical insurance is based on the following five criteria, and cannot be impacted by medical history or gender:



Individual versus family enrollment

Tobacco use

Plan category

What Does Major Medical Insurance Cover?

Under the Affordable Care Act, major medical insurance plans must include coverage for the following services:

Emergency services


Prescription drugs

Maternity and newborn care

Mental health and substance use disorder services, including behavioral health treatment

Ambulatory patient services

Pediatric services, including oral and vision services

Preventive and wellness services, as well as chronic disease management

Rehabilitative services and devices

Laboratory services

Are You Ready to Sell ACA Plans?

Are you ready to get contracted to sell ACA plans? It's easy! Simply fill out this form to get started. If you have any questions, don't hesitate to give us a call at 888-622-9122. Our expert agent support team is always ready to help.

Check out all the carriers that you can contract with through Tidewater, and don't forget to sign up for our VIP Portal for all the latest industry news.

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