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Medical indemnity insurance is not a replacement for health insurance. Medical indemnity insurance pays set cash amounts that can help you in situations such as hospitalization.

These insurance plans are not qualified health plans under the Affordable Care Act (ACA or "Obamacare") and do not meet the coverage and benefit requirements of the ACA. You cannot receive a subsidy (premium tax credit and/or cost-sharing reduction) under the ACA in connection with your purchase of medical indemnity insurance and may still owe the tax penalty (the individual shared responsibility payment) under the ACA. Some people may qualify for exemptions from the ACA tax penalty. Medical indemnity insurance does not provide the minimum essential coverage of the ACA (benefits such as mental healthcare, pregnancy and childbirth, preventive care, etc.) and does not cover pre-existing conditions (health and other conditions that exist at the time of application).

For ACA health insurance benefits, buy a qualified health plan under the ACA. Further information about the ACA and its implications can be found in our Affordable Care Act Resource Center.

See the official plan documentation on the plan details page for benefits, limitations, exclusions, and other terms that apply to each specific plan.


Some health care services paid for by Medicare may also trigger the payment of benefits from this policy.

This insurance provides limited benefits if you meet the conditions listed in the policy. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.

Important Information About Medical Indemnity Insurance

Medical Indemnity Insurance is a different kind of health insurance that pays set cash amounts to help you affordably manage the health care needs of today versus the possible needs of tomorrow.

Medical Indemnity Insurance policies do not cover pre-existing conditions. Medical Indemnity Insurance is also not considered minimum essential coverage under the Affordable Care Act (ACA, also called Obamacare), and even if you enroll in and maintain medical indemnity coverage, you may still be subject to the tax penalty. Further information about the ACA and its implications can be found in our Affordable Care Act Resource Center.