Health Coverage Solutions for Under-65 Adults
Finding affordable health insurance before age 65 can feel overwhelming, especially if ACA marketplace plans or employer insurance aren’t an option—or are simply too expensive. Many people assume those are the only paths, but there are practical alternatives that can fit your needs and your budget. True North Associates specializes in non-ACA plans and creative solutions for those who need coverage before Medicare eligibility. Our role is to help you understand the options, weigh the pros and cons, and avoid being uninsured during crucial years.
Beyond Traditional Health Insurance
If ACA plans are out of reach due to high income, lack of subsidies, or network restrictions, you still have alternatives. We focus on private health plans outside the marketplace, short-term policies, indemnity plans, and other creative solutions not tied to government enrollment windows. These options can be ideal for the right person—but it’s essential to understand the limitations and how to fill the gaps. At True North Associates, we prioritize honest guidance, so you’ll know exactly what’s covered and what isn’t before you decide.
Who Are These Plans For?
Early Retirees (60–64)
Those retiring before Medicare eligibility often need temporary coverage to bridge the gap. We help craft a strategy that covers your health risks while staying budget-friendly until you reach 65.
Families Priced Out of ACA
If you earn too much for ACA subsidies and find marketplace premiums out of reach, alternatives can offer meaningful savings. Our approach is to balance affordability with the right level of protection for your family.
Individuals Without Employer Benefits
Gig workers, freelancers, small business owners, and those in industries without group coverage can benefit from more flexible private plans. We help you evaluate choices that keep you protected and in control.
Our Under-65 Solutions
Fixed Indemnity Health Plans
These pay set benefits for each incident or medical service, providing a financial cushion for unexpected events. While not a substitute for major medical insurance, they are a smart backup for generally healthy people who want catastrophe protection without major premiums.
Short-Term Medical Insurance
Short-term plans provide flexible, low-cost coverage for several months up to a year, depending on your state. They’re fast to enroll in and can be a great bridge between jobs or while waiting for employer or Medicare coverage. Be aware: they’re not ACA-compliant and may not cover pre-existing conditions, but we’ll help you understand the trade-offs.
Health Expense Sharing or Other Options
If you’re open to alternatives like health care sharing ministries or want to combine high-deductible plans with critical illness or supplemental policies, we can advise on the pros and cons. Our job is to build a mix that fits your unique needs and risk tolerance.
Early Retirement Health Planning
Retiring before 65 requires a special strategy to protect your health and your nest egg. We help you estimate healthcare costs for the “gap years,” review private and supplemental plan options, and create a transition plan for seamless Medicare enrollment when you qualify. Whether you need short-term, indemnity, or a layered approach, True North Associates makes the early retirement years simpler and less stressful.
Save on Healthcare Costs
Smart health coverage isn’t just about the monthly premium—it’s about making your dollars go further. We teach clients to negotiate medical bills, use Health Savings Accounts (HSAs) when eligible, and structure coverage to cap catastrophic costs. With the right mix of plans and a little creativity, you can keep your health spending under control while still getting the care you need.
Your Medicare Questions, Answered
Are these non-ACA plans reliable coverage?
They can be, but it’s important to know their limits. Non-ACA plans may not cover every scenario, so we make sure you understand exactly what’s included—and what’s not—before you enroll. Our guidance ensures you’re never caught off guard.
What if I get a serious illness on a short-term or indemnity plan?
If your health changes, you can usually transition to an ACA plan during Open Enrollment or after a qualifying event. We’re here to help you navigate those transitions and keep you protected. Our commitment is to support you with the right coverage, no matter what life brings.
How do these plans compare to COBRA or ACA marketplace plans?
Alternative plans often have lower premiums and more flexible enrollment, but they aren’t as comprehensive as COBRA or ACA options. We help you weigh the costs and benefits so you can make the best decision for your situation. Every client gets a clear comparison tailored to their needs.
Get Help Finding Affordable Coverage
If you’re under 65 and struggling to find health insurance that fits your needs and your budget, reach out to True North Associates. We’ll review your options, explain every detail, and help you build a coverage strategy that bridges the gap to Medicare—and gives you confidence every step of the way.
