Total Care Consultants helps individuals find coverage that meets their needs and budget, offering ACA plans and private options.

Affordable Care Act (ACA) Plans:

Bronze Plan: Lowest monthly premiums, highest out-of-pocket expenses

Silver Plan: Lower monthly premiums, higher out-of-pocket expenses

Gold Plan: Lower out-of-pocket expenses, higher monthly premiums

Platinum Plan: Lowest out-of-pocket expenses, highest monthly premiums

Catastrophic Coverage: Low premiums for individuals under 30, very high out-of-pocket expenses

Available to individuals under 30, coverage is guaranteed issue, qualifies as “minimal essential coverage,” and is not subject to a tax penalty.

Total Care Consultants Family Health Insurance Plans

Total Care Consultants makes it easy to find the right medical coverage at the best price for your family. We offer a variety of health insurance products from top-rated national and regional insurance companies. You can explore coverage options online, over the phone, or face-to-face with a local agent—all at no additional cost to you.

Affordable Care Act (ACA) Family Health Plans

Bronze Plan: Lowest monthly premiums, highest out-of-pocket expenses

Silver Plan: Lower monthly premiums, higher out-of-pocket expenses

Gold Plan: Higher monthly premiums, lower out-of-pocket expenses

Platinum Plan: Highest monthly premiums, lowest out-of-pocket expenses

Under the Affordable Care Act, all family health plans have a maximum out-of-pocket expense of $12,700.

Temporary Health Insurance (Short-Term Insurance)

Short-term health insurance is a flexible coverage option for those between jobs, traveling, or waiting for Medicare.

Benefits:

✔ Coverage can start as early as the next day
✔ Lower monthly premiums than standard plans
✔ Coverage for 30 days up to nearly three years (varies by state)
✔ Choice of single or monthly payment options

Plan Considerations:

Coverage varies by plan and state

It is not a long-term or ACA-compliant solution

Can cover doctor visits and emergency hospital services

Short-term health insurance is designed to help bridge gaps between major medical insurance plans. If you are between jobs, waiting for Medicare, traveling, or outside an enrollment period, a short-term policy could provide temporary coverage until you secure a long-term plan.