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We're Here to Help You Find the Best Health Insurance Plan for Less!
Whether you're self-employed, between jobs or simply paying too much. We compare every available option so you don't have to.
Are You Paying Too Much for Health Insurance?
Health insurance premiums increased significantly in 2026, forcing all of us to explore new options.
For many individuals, families and self-employed workers, the options on healthcare.gov just don't make sense anymore, and should only be purchased if someone NEEDS guaranteed-issue coverage due to a current medical conditions. Otherwise, there are several options you can explore!
Most of our individual clients are:
- Self-employed, a 1099 contractor, or a small business owner.
- Individuals who's income is too high for ACA subsidies but too tight for full premiums.
- People who are healthy and feel like they're paying for coverage they never use.
- Employees who recently lost employer-sponsored coverage and need options fast.
- Individuals and families who feel they are paying way to much each month and wondering if there's better options.
The good news: there almost certainly is a better way, and finding it costs you nothing.
4 Primary Individual Health Insurance Options
ACA Marketplace Health Insurance
Affordable Choice (Fixed‑Benefit Medical)
Single-Employee Group Health Insurance
- Open Enrollment Window: Nov 1st - Jan 15th
- What it is: Comprehensive major medical that includes preventive care an essential health benefits.
- Ideal for: Individuals who use their insurance often and/or have significant medical situations/high prescription usage. Tax credits may lower your monthly cost if extended.
- Negatives: Increased 2026
- Open Enrollment Window: Nov 1st - Jan 15th
- What it is: Comprehensive major medical that includes preventive care an essential health benefits.
- Ideal for: Individuals who use their insurance often and/or have significant medical situations/high prescription usage. Tax credits may lower your monthly cost if extended.
- Negatives: Increased 2026 premiums PLUS extremely high deductibles and out-of-pocket expenses.
Single-Employee Group Health Insurance
Affordable Choice (Fixed‑Benefit Medical)
Single-Employee Group Health Insurance
- Enrollment Window: Anytime
- What it is: Employer-strength health insurance benefits for qualifying companies (even 1-employee businesses)
- Ideal for: Small business owners looking for a strong PPO health plan with super-low deductibles & out-of-pocket costs.
- Qualification Process: Meet with us, & if your qualify, we submit initial paperwork &
- Enrollment Window: Anytime
- What it is: Employer-strength health insurance benefits for qualifying companies (even 1-employee businesses)
- Ideal for: Small business owners looking for a strong PPO health plan with super-low deductibles & out-of-pocket costs.
- Qualification Process: Meet with us, & if your qualify, we submit initial paperwork & receive a quote 3-5 business days later.
- Negatives: Not knowing that this is an option for you!
Affordable Choice (Fixed‑Benefit Medical)
Affordable Choice (Fixed‑Benefit Medical)
Affordable Choice (Fixed‑Benefit Medical)
- Enrollment Window: Anytime
- What it is: Pays set cash amounts for covered services like doctors visits, labs, ER, hospital & much more
- Why people choose it: Predictable, budget‑friendly way to handle everyday care. Saves 30%-80% vs ACA premiums.
- Ideal for: People who are healthy, want lower premiums and value paying less for routine care.
- Can
- Enrollment Window: Anytime
- What it is: Pays set cash amounts for covered services like doctors visits, labs, ER, hospital & much more
- Why people choose it: Predictable, budget‑friendly way to handle everyday care. Saves 30%-80% vs ACA premiums.
- Ideal for: People who are healthy, want lower premiums and value paying less for routine care.
- Can be used as a standalone policy or with additional coverage for major illnesses.
- Negatives: Doesn't cover pregnancy & mental health.
Hawai'i Medicaid MedQuest
Affordable Choice (Fixed‑Benefit Medical)
Affordable Choice (Fixed‑Benefit Medical)
- Enrollment Window: Anytime
- What it is: Hawaii’s Medicaid program, providing comprehensive health coverage (medical, behavioral health & long-term care) to eligible low-income residents.
- Ideal for: Hawaiʻi individuals and families with limited income & resources.
- Qualification Process: We recommend calling.
- Negatives: Strict income/eligibility
- Enrollment Window: Anytime
- What it is: Hawaii’s Medicaid program, providing comprehensive health coverage (medical, behavioral health & long-term care) to eligible low-income residents.
- Ideal for: Hawaiʻi individuals and families with limited income & resources.
- Qualification Process: We recommend calling.
- Negatives: Strict income/eligibility rule & potential penalties + loss of coverage for higher-than-expected income.
Affordable Choice (Fixed Indemnity Health Plan)
What is Affordable Choice?
Affordable Choice is a fixed indemnity insurance plan underwritten by ManhattanLife, offering guaranteed daily benefits for hospital stays, surgeries, and routine medical services, regardless of provider charges. With no deductibles, 1st-dollar coverage and a range of plans from Elite Plus to Classic, this plan provides customizable coverage for individuals, families, and businesses in Hawai'i. --- 4-minute overview video below ---
Who should consider this new health insurance plan?
This plan is ideal for anyone who meets the following criteria:
- Anyone who does not qualify for MedQuest or tax-subsidies for ACA-plans on healthcare.gov because their income is too high.
- Anyone who wants to save 30%-80% on ACA-plans (which could = $1,000+ in premium savings each month)
- Anyone who is healthy and can pass the 8 underwriting questions.
- Anyone not getting pregnant (excluded on the policy).
- A great fit for self-employed, healthy individuals and families.
- Also good for anyone under 65 who's spouse or partner is aging into Medicare.
What is covers:
- Hospital Admission & Confinement — up to $6,000/day (Elite Plus)
- Surgeon, Anesthesiologist & Ambulatory Surgery Center Benefits
- Emergency Room & Urgent Care
- Doctor's Office Visits with Rollover (unused visits carry over to next year)
- Prescriptions, Labs, Radiology (MRI, CT, PET scans)
- Cancer Benefit — pays for chemotherapy, radiation & immunotherapy (up to 40 days/year)
- Physical, Occupational & Speech Therapy
- Ground & Air Ambulance
- No networks required — see any provider, anywhere in the U.S.
- No waiting periods — coverage begins immediately
- Building Benefit: hospital confinement rates increase 25% each year (years 2–5) for injury-related stays
Value-Added Services (Included at No Extra Cost):
- 24/7 Telemedicine (TelaHealth Consultants)
- Prescription discounts up to 80% (RxEDO)
- Discounted lab work (DirectLabs)
- Discounted imaging (Green Imaging)
- Personal health care advocacy (CareGuide)
- Access to First Health Network — 1.5M+ provider locations
Optional Add-On: Specified Disease Rider — Catastrophic Coverage When It Matters Most
The Affordable Choice base plan provides daily cash benefits for routine and hospital care. The optional Specified Disease Rider (SDR) takes it a step further — providing up to $500,000 in calendar year benefits specifically for major, life-altering diagnoses like cancer, heart attack, stroke, and organ transplants.
Think of it as your financial backstop for the big stuff.
How It Works: The SDR pays the difference between your actual medical bills and what the base plan covered — after a deductible you choose ($25K, $50K, $75K, or $100K). Your calendar year maximum is either $250K or $500K.
Covered Conditions Include:
- Cancer (Internal Cancer) — including surgery, radiation, chemotherapy, immunotherapy
- Heart Attack · Coronary Artery Bypass Surgery · Angioplasty · Heart Valve Surgery
- Stroke (Ischemic or Hemorrhagic)
- Major Organ Failure / Organ Transplant
- End-Stage Renal Failure
- ALS (Amyotrophic Lateral Sclerosis)
- Ruptured Aneurysm · Pacemaker Implant · Implantable Cardiac Defibrillator
- Joint Replacement
Rider rates start as low as $6.32/month for an individual (age 18–29, $100K deductible / $250K max). Lifetime maximum: $2,000,000.
Real-World Example — How AFC + SDR Protects a Family:
Michael, age 58, Classic plan + Specified Disease Rider ($25K deductible / $250K max). Diagnosed with cancer during a routine exam. Total bills: $127,000.
- Base Plan Benefits (hospital, surgery, chemo, labs, etc.): $29,323
- Specified Disease Rider (covers remaining bills over deductible): $72,677
- TOTAL AFC Benefits Paid: $102,000
- Michael's Out-of-Pocket (deductible only): $25,000
Easy Enrollment Process - Follow these simple steps (self-enrollment or with our assistance), with coverage starting in as soon as 5 days!
- Click on the link (below) to access our Quote & Enrollment page.
- Enter zip code & birthdate to view available plans (& add dependents if quoting for coverage for them).
- Select plan(s), levels of coverage & effective date (recommended at least 5 days from date of application).
- Complete 5-minute application process (1 application, 1 set of medical questions & 1 ACH payment for all ManhattanLife plans selected).
- Once submitted, an agent will follow-up with you to answer any questions you have, deliver digital copies of your policies and ID cards (when applicable) & be a point-of-contact for you going forward!
Affordable Premiums:
With premiums that scale according to age and coverage type, Affordable Choice provides plans that fit any budget. Choose from individual, spouse, child, or family plans.
Rates start out at $77.64/month (for individuals) & $233.99/month (for families)! (((SEE BELOW)))
Affordable Choice Base Policy Benefits (Hawai'i)*
Monthly Base Policy Premium (Hawai'i)*
Additional Benefits (included at no extra cost)
Optional Add-On: Specified Disease Rider for Catastrophic Coverage (Hawai'i)*
Specified Disease Rider Add-on Premiums (HI)*
