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Health Insurance Programs for US Citizens and Residents

The following programs are for US Citizens, Green Card holders, H1 workers and others who are in the United States on a regular long term basis. These plans can be purchased online. All plans on this page are available to people below 65 years old.

1. AETNA Health Insurance Programs - provide coverage for US Citizens and Residents who are living and working in the United States on a longterm basis. To apply for coveragei in the middle of the year, you must experience one of the life change events as described in the link. Not available for ages above 65. From Nov 1st to December 31st, open enrollment is available during which anyone can enroll without any life change event..

2. Humana Health Insurance Provides Obamacare qualified plans minus the hassle of going through the Obamacare web site. This is goo d for individuals and families that do not qualify for any kind of tax rebate towards their premium dollars.If your income is too low or above the established limits for subsidy (roughly if HH income 50K), one can take adv antage of this program.

3. United Health Insurance Plans Provide both fixed, and major medical insurance Programs for US Citizens and Residents who are working and living in the United States on a longterm basis. Not available for ages above 65. Offers temporary insurance cover from 30 days to 180 days as well as long term insurance plans.

4. IHC SHORT TERM HEALTH INSURANCE PLANS (STM)

The Insurance Plans below are Underwritten by Standard Security Life Insurance Company of New York, a member of The IHC Group. Temporary health insurance for 30 days to 364 days. Available to persons aged 18-64 years old, their spouse, and dependent children under 26 years old. Child-only coverage is available for ages 2-18 years old.

IHC Short Term for membes in between employment or other situations

Temporary health insurance is a perfect solution for individuals needing insurance in the short term, whether they are uninsured, unemployed, self-employed or just need an affordable insurance product that fits their monthly budget. Compare plans and pricing, and find the best option.

IHC Critical Illness Plan covering Major Medicals Brochure

IHC Metal Gap Program Brochure

IHC Telemedicine Brochure

  • The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act.
  • This plan provides discounts at certain healthcare providers for medical services. This plan does not make payments directly to the providers of medical services.
  • The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization.
  • Online fulfillment – at the conclusion of this application, you will be able to print out a copy of your application and benefit information.

IHC Dental Insurance

  • The total cost includes all applicable dues and fees. The total cost does not include a one-time enrollment fee.
  • The insurance coverage is available only to members of Communicating for America, Inc.
  • Group association dental insurance under the IHC Dental plans is underwritten by Madison National Life Insurance Company, Inc. in all states except Maine, New Hampshire and New York where IHC Dental is underwritten by Standard Security Life Insurance Company of New York.
  • The application must be received by the administrator prior to the requested effective date, and the initial premium must be received by the administrator prior to issuing coverage. If a monthly billing method has been selected, future premium will be due on the first of each month.
  • Do not lapse or cancel current insurance coverage unless you receive a written notice from the insurance company that your application for coverage has been approved.
  • Spouse includes domestic partner in the following states: DC, NY

Rx Discount Pay Card

  • The Discount Health Savings Program plan is NOT insurance.
  • The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act.
  • This plan provides discounts at certain healthcare providers for medical services. This plan does not make payments directly to the providers of medical services.
  • The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization.