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Coverage designed to fit your retirement years.
Not yet 65? You still have options for affordable health insurance.
Whether you’re between jobs, self-employed, or just need a temporary solution, Clearpath helps you sort through the choices and find coverage that makes sense for you right now.
ACA / Marketplace Plans
Comprehensive coverage, with potential savings.
Marketplace plans (also called Affordable Care Act or “Obamacare” plans) are full health insurance policies that meet federal standards for coverage.
Why people choose it:
- Covers doctor visits, hospital stays, prescriptions, maternity, and preventive care.
- Subsidies (based on your income and household size) can significantly lower your monthly premium.
- Good long-term option if you don’t have job-based insurance.
Things to know
- Enrollment is usually limited to the Open Enrollment Period (late fall), unless you have a qualifying life event (like moving, changing jobs, or losing coverage).
- Networks and costs vary — we’ll help you compare which plan fits best.
Indemnity Plans
Flexible coverage that pays you directly.
Indemnity plans aren’t traditional health insurance — instead, they pay you a fixed cash amount for certain medical services, like a doctor visit or hospital stay.
Why people choose it:
- Flexibility to see any provider, no networks to worry about.
- Cash payments can be used however you need — toward medical bills or even daily expenses.
- Affordable monthly premiums.
Things to know
- These plans don’t cover everything — they’re best used as supplemental protection, or as a bridge when you can’t get full insurance.
Short-Term Medical Plans
Temporary coverage for life’s in-between moments.
Short-term medical plans are designed to cover you for a few months up to a year, often at a lower monthly cost than traditional insurance.
Why people choose it:
- Great for people between jobs, waiting for employer benefits to start, or nearing Medicare eligibility.
- Lower premiums than most full ACA plans.
- Provides basic protection in case of unexpected illness or accidents.
Things to know
- Benefits are limited — these plans may not cover prescriptions, preventive care, or pre-existing conditions.
- They are meant as a short-term solution, not long-term coverage.
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