Under 65 Health Insurance

If you are under 65 and don’t yet qualify for Medicare, it’s important that you look at other options for the time being to get the health insurance you need. Here are some coverage options you can look into.


The Affordable Care Act (ACA) was a comprehensive health care reform law that was enacted in March 2010. These plans must include ten essential health benefits with no annual lifetime coverage maximums. The ten essential health benefits include:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Pregnancy, maternity, and newborn care
  • Mental health and substance use disorder services, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care

Long-Term Care Insurance

As people age or become ill, they sometimes need help doing daily tasks like getting dressed, bathing and more. Long-term care (LTC) provides people with those services—but it’s expensive. A long-term care insurance policy helps cover these costs.


While this isn’t a primary policy, it can be a great supplemental option.


Not everyone qualifies for Medicaid, but if you do, it can provide beneficial coverage especially if you do not have any coverage at all. Medicaid typically provides coverage for:


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Need Health Insurance? We Can Help

American Family Solutions can help you find the coverage you need if you don’t yet qualify for Medicare. To learn more about your health insurance options, give us a call today.