I have to move on from US Health Freedom Life plan. Suggestions?

Individual/Marketplace Insurance Forum
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I discovered FreedomLife US Health plan for “healthy people” and briefly enjoyed the low $580/month premiums for our otherwise healthy family of four. We were perfect for them — rarely visiting the doctor and no preexisting conditions.

I fell pregnant this year, due with baby in a few weeks. AND, my son and my husband were hospitalized, each for a week, with freak MRSA infections. They made full recoveries — but the infections and the locations (neck, hand) were horrendous because we were unlucky with a week of the wrong antibiotic for their particular strain before the hospital straightened them out.

I liked the plan — private, built for healthy people with no preexisting conditions. I don’t mind slightly higher copays and drug costs because we were saving hundreds of dollars each month. It feels really unfair to pay high ACA premiums when we go to the doctor once a year for checkups.

What’s a good plan comparable to this that we can use?

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Pregnancy is a pre-existing condition so any plans that aren’t ACA compliant will not be available to you.

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I am giving birth this calendar year (due later this month) with our Freedom Life plan and the rider upgrade

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What’s your question?

You bought something that wasn’t real insurance, so it didn’t cover you when you needed it.

People buy health insurance to protect themselves from high medical costs. The key word is “insurance.”

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Having been pregnant ever will prevent you from treatment for anything that can be considered arisen from that for the rest of your life on a non ACA plan.

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That may be true if I didn’t disclose to my agent that I’ve been pregnant twice before when he signed me up, but thanks anyway

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Doctors can’t know everything. And I assume your children aren’t hidden away in a windowless basement. The evidence is right there in your home and your body.

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Keep in mind, depending on your state, you might qualify for Medicaid due to pregnancy, and your child might be eligible for CHIP.

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I’m a USHealth/Freedom Life agent. Unfortunately, you’ll need to go with an ACA plan, especially if you’re pregnant. Private plans usually don’t cover pregnancy.

By the way, are you currently on the SecureAdvantage, PremierAdvantage, or PremierChoice policy?

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PremierChoice so three of us upgraded to the PremierMed Short Term Medical-Surgical Plan. I was pleasantly surprised to hear we only had to upgrade my husband and son for the one month we were in and out of doctor offices and hospitals for their infections

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Since you’re healthy, a bronze plan may help you save money on an ACA plan instead of a silver plan. All plans cover your annual wellness check, so your most common doctor visits will still cost you little or nothing. Some bronze plans offer $50 for primary care visits and $100 for specialist visits without needing to meet your deductible first

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I’m not quite sure what you’re asking. Are you looking for a plan with low premiums but higher copays or coinsurance? If so, you might want to visit healthcare.gov to explore high deductible plans.

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The only way to make sure medical issues, including pregnancy and birth, are covered is to get an ACA-compliant plan.

What is your income and which state do you live in? Can you or your husband get insurance through an employer?