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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

  • Guaranteed, predictable payouts for covered services

  • Low or no deductibles on many benefits

  • Options for accident, critical illness, and supplemental coverage

  • 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.

Ready to Take the Next Step?

Get a personalized quote Compare plans instantly Talk with a licensed advisor today

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

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