Quote & Begin Enrollment
This is a close estimate. Final pricing subject to underwriting & price variation.
PlanShaman Health Insurance Quoting Tool
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Your Personalized Options
All options are less expensive than the ACA Silver Benchmark — with no network restrictions and are guaranteed renewable
Catastrophic
Pay cash for everything under $5,000. After that, 100% coverage kicks in — backed by Zion HealthShare as a stop-loss with no annual or lifetime cap.
What's Included
- 100% coverage after $5,000 deductible
- Zion HealthShare stop-loss — no annual or lifetime cap
- Any provider, nationwide — no networks
- Guaranteed renewable
Ideal For
- Households seeking the lowest monthly cost, comfortable paying cash for minor care.
Does Not Include
- Routine or minor visit coverage
- No prescriptions — use GoodRx or Cost Plus Drugs
- Mental health, dental & vision (optional add-ons)
Enhanced
First-dollar benefits for doctor visits, labs, imaging, and urgent care — before your deductible. Catastrophic coverage up to $1,000,000 per incident after $5,000.
What's Included
- Doctor visits, labs, imaging & urgent care — no deductible
- Hospital stays, outpatient surgery, ER & ambulance benefits
- 100% coverage after $5,000 — up to $1,000,000/year
- Any provider, nationwide — no networks
- Guaranteed renewable
Ideal For
- Households who want help with routine care and strong protection if something serious happens.
Does Not Include
- Umbrella stop-loss (the $1M cap remains)
- No prescriptions — use GoodRx or Cost Plus Drugs
- Dental & vision (optional add-ons)
Premier
The complete package. First-dollar benefits for everyday care, full catastrophic protection, and Zion HealthShare eliminating the $1M annual cap entirely.
What's Included
- Doctor visits, labs, imaging & urgent care — no deductible
- Chiropractic & mental health from day one
- Hospital stays, outpatient surgery, ER & ambulance benefits
- 100% coverage after $5,000 — up to $1,000,000/year
- Zion HealthShare stop-loss — activates if annual limits are reached, no cap
- Any provider, nationwide — no networks
- Guaranteed renewable
Ideal For
- Households who want a "set it and forget it" solution with complete coverage from day one to catastrophic.
Does Not Include
- No prescriptions — use GoodRx or Cost Plus Drugs
- Dental & vision (optional add-ons)
Start Your Enrollment
Click below to send us your household information. We will start your application(s) and send it directly to your inbox for you to complete.
All of These Plans:
Important Disclaimers
This is not a final quote. This estimate is subject to underwriting approval and final policy terms.
Not Minimum Essential Coverage: These policies, alone or in combination, are not minimum essential coverage (MEC) under the Affordable Care Act.
Underwriting Required: Eligibility is subject to underwriting. No physical exam or bloodwork is required — underwriting is completed by answering health questions during enrollment. Final approval and pricing may vary.
Policy Limitations: This is a summary only. Only the actual policy provisions will control. See policy documents for full benefits, costs, limitations, exclusions, and pre-existing condition terms.
State Variations: Availability and form numbers may vary by state. Not available in all states.
Independent Brokerage: This summary is prepared by Plan Shaman, an independent health insurance brokerage. We are not employed by or legally representing the carriers referenced. Coverage is subject to the terms and conditions of the official policy documents issued by the carrier.