Health Insurance
A Modern Approach to Health Insurance
A Smarter, Simpler Approach to Health Coverage
Most people start their search with traditional major medical insurance — but that’s not the only option. Defined benefit plans offer a more predictable, budget‑friendly way to manage healthcare costs, with set cash benefits, low or no deductibles on many services, and flexible add‑on coverage to protect your family from unexpected expenses.
At Insurance for the People, we build coverage around you — your lifestyle, your budget, and your family’s needs. Our plans are designed to make healthcare easier to understand and easier to afford, without the confusion of high deductibles or surprise bills.
Why Families Choose Defined Benefit Plans
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Guaranteed, predictable payouts for covered services
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Low or no deductibles on many benefits
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Options for accident, critical illness, and supplemental coverage
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PPO network access for flexibility and choice
More Carriers. More Options. More Confidence.
We partner with multiple carriers to match you with the most benefit‑rich plans available. Whether you prefer PPO networks, defined benefit coverage, or a blend of both, we help you compare your options side‑by‑side so you can make a confident, informed decision.
Your Coverage, Your Way
Explore plans that fit your life — not the other way around. Find out how defined benefit plans compare to traditional health insurance and discover the option that works best for you.
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Traditional Major Medical Plan
Meets MEC Requirements
Unlimited Benefits
High Deductible
Large Co-Pays
Savings Benefit the Insurance Carrier
High Premiums
Higher Potential for Annual Premium Rate Increases
Outpatient Surgery: Deductible Must Be Met
MRI, Labs, X-Rays: Deductible Must Be Met
Doctor Visits: Co-Pays and/or Deductible Apply
Prescription Drugs: Rx Co-Pay: $15 Generic / $35 - $75 Brand Name Rx, Rx Co-Pay may not count toward
calendar year deductible
Emergency Room: $100 - $1100 access fee plus
deductible may be required for additional benefits
PPO Network: Client may be required to use
participating providers
Penalty: Higher Deductible & Co-Insurance Penalty
May Apply
Telemedicine: Some plans charge a fee per use
Additional Riders Offered: None
Defined Medical Plan
Specific Benefit Paid for a Covered Event
Does Not Meet MEC Requirements (No federal tax penalty)
Limited Benefits
Deductible on Hospital Admission Only
No Co-Pays
Savings Go to Policyholder
Middle to Low Premiums
Low Potential for Annual Premium Rate Increases
Outpatient Surgery: No Deductible
MRI, Labs, X-Rays: Immediate Benefit - No Deductible
Doctor Visits: Immediate Benefit - No Co-Pays or Deductible
Prescription Drugs: Net Rx cost to patient may be equivalent to or better than a traditional co-pay
Emergency Room: $400 - $800 benefit up front - $4000 additional benefit for qualifying accidents
PPO Network: Choose Your Doctor or Hospital
Penalty: No Out-of-Network Penalty
Telemedicine: Free and Unlimited
Additional Riders Offered: Catastrophic Accident, Critical Illness, Specified Disease
Guaranteed Issue Plan
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They’ve been denied coverage before
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They have pre‑existing conditions
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They need coverage quickly
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They want predictable premiums
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They’re in a transition period (job change, divorce, aging out, etc.)
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They prefer a simple, no‑questions‑asked enrollment process
Key Benefits
1. No Medical Questions, Exams, or Underwriting
You’re accepted regardless of health history, pre‑existing conditions, or past diagnoses. This removes the biggest barrier many people face when trying to secure coverage.
2. Immediate Access to Coverage
Because there’s no underwriting delay, coverage can begin quickly. This is especially valuable if someone has been uninsured or recently lost coverage.
3. Protection for People with Chronic or High‑Risk Conditions
Guaranteed‑issue plans ensure that individuals who traditionally struggle to get approved—due to diabetes, heart conditions, cancer history, or other chronic illnesses—still have access to meaningful benefits.
4. Predictable Costs
Premiums are typically stable and predictable, since they aren’t tied to your personal health risk. This helps with budgeting and long‑term planning.
5. Helps Avoid Coverage Gaps
If someone is between jobs, aging out of a parent’s plan, or transitioning between insurance options, guaranteed‑issue coverage can prevent dangerous gaps in protection.
6. Access to Essential Benefits
Depending on the plan type, guaranteed‑issue coverage may include:
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Doctor visits
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Preventive care
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Hospital benefits
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Prescription support
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Mental health services
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Emergency care
The exact benefits vary by carrier, but the core value is that you can get covered when you need it most.
7. Peace of Mind
Knowing you cannot be denied removes the stress and uncertainty that often comes with applying for traditional health insurance.
Why People Choose Guaranteed‑Issue Plans
