Do you offer Health Insurance?
Innovative LTC specializes in long-term care and protection planning—but many of our clients ask about health insurance, especially if they’re self-employed, between jobs, or retiring before Medicare age.
While we don’t broker health insurance plans in-house, we
provide guidance and connect you with trusted partners who specialize in under-65 health coverage. Our goal is simple: help you avoid coverage gaps and make informed decisions—without pressure.
Health Insurance Marketplace (ACA) Plans
For most people under 65 without employer coverage, the primary option is the Affordable Care Act (ACA) Marketplace.
Key features of Marketplace plans:
No denial for pre-existing conditions
Comprehensive coverage, including preventive care, prescriptions, and hospital services
Income-based subsidies that can significantly reduce monthly premiums
Enrollment during Open Enrollment (typically Nov–Dec) or with a Special Enrollment Event (job loss, retirement, relocation, etc.)
If your income is moderate—common for early retirees—subsidies can make ACA plans far more affordable than expected. We help you understand whether this path makes sense and connect you with a partner who can handle enrollment.
Alternatives to ACA Plans
Some individuals explore alternatives when ACA plans feel too expensive or don’t fit their needs. These options come with trade-offs and are best chosen with guidance.
Short-Term Medical Plans
Temporary coverage (often 3–12 months, renewable in Texas) with lower premiums. These plans are not ACA-compliant, may exclude pre-existing conditions, and have benefit caps. Best for healthy individuals needing a stopgap between plans.
Health Sharing Ministries
Member-based programs where participants share medical costs. These are not insurance and payments aren’t guaranteed, but some families use them for lower monthly costs. Typically require adherence to specific membership guidelines.
Fixed Benefit or Accident Plans
Policies that pay set amounts for hospital stays or specific events. They’re not comprehensive but can supplement other coverage or provide limited protection when budgets are tight.
Direct Primary Care (DPC)
A monthly membership for routine care paired with a high-deductible or catastrophic plan. This can reduce everyday costs while keeping major medical coverage in place.
We’ll be clear about what each option does—and doesn’t—cover so you can decide confidently.
Health Insurance for Early Retirees and the Self-Employed
If you’re retiring before 65 or running your own business, health insurance can feel like the biggest unknown.
- ACA plans may be affordable with subsidies if income is managed carefully
- Short-term or alternative options can bridge short gaps
- Pairing coverage strategies can control costs while maintaining protection
Our role is to help you
bridge the gap to Medicare without risking a health-related financial setback.
How We Help (Without Selling You a Plan)
Innovative LTC takes an education-first approach. We’ll:
- Discuss your situation and concerns
- Explain the pros and cons of available options
- Connect you with a
licensed health insurance specialist partner who serves Texas and Oklahoma
- Stay focused on what’s best for you—not a commission
If Medicare Advantage or Marketplace enrollment is the right fit, we’ll make a warm handoff to a trusted professional who shares our no-pressure philosophy.
Let’s Make Sure You’re Covered
Going uninsured—even briefly—can be financially devastating. Whether you need Marketplace coverage, an alternative solution, or help understanding your choices, we’re here to guide you to the right next step.
Health Insurance FAQs
What are my health insurance options if I retire before 65?
ACA Marketplace plans are the primary option, often with subsidies. Alternatives can help in certain situations.
Is there an alternative to Obamacare plans?
Yes—short-term plans, health sharing programs, and other strategies exist, but they come with limitations.
Health insurance for self-employed —what works best?
Many self-employed individuals use ACA plans with subsidies or tailored alternatives depending on income and health.