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Insurance Product Availability and Compensation
Assurance IQ may not offer every plan or carrier in your area. Agents may not be appointed with every available carrier. Any information we provide is limited to those carriers and plans we offer or can refer to. Information presented is based on your responses during the quote process. Assurance IQ, LLC receives compensation from these companies, based on the insurance coverage purchased. Compensation does not affect monthly premium rates. To learn more about Medicaid eligibility click here. To learn more about ACA plans click here
Content presented on this page and any brief descriptions of the important features of the products and plans offered are not all-inclusive. Please refer to the policy for actual limitations, terms and conditions that apply. In the event there are discrepancies with the information on this page, the terms and conditions of the policy will govern.
Product availability may vary by location, plan type and design, and is subject to change. All insurance policies contain exclusions and limitations. Some products (e.g., STM, dental, critical illness) may have waiting periods that apply. Please refer to the product brochure and policy for details.
Coverage is subject to your application being accepted and approved by the plan issuer. Benefit exclusions and other limitations may apply. For costs and details of coverage, review your plan documents or contact a representative.
Affordable Care Act (ACA)
The comprehensive health reform law that is sometimes referred to as "Obamacare". Under the ACA, individual medical plans are required to cover ten “Essential Health Benefits” to be recognized as a "Qualified Health Plan" and provide “Minimum Essential Coverage” to enrollees(“MEC”). Residents of certain states may not be able to enroll in ACA-compliant health insurance through Assurance IQ, LLC. To see all available data on QHP options in your state, go to the Health Insurance Marketplace website at www.HealthCare.gov. Premium tax credits are not guaranteed and are subject to eligibility requirements determined in the Marketplace.
Short Term Medical (STM)
STM Insurance does not provide comprehensive medical coverage and is not minimum essential coverage as defined in the Affordable Care Act (also known as “Obamacare”). STM insurance may not cover all Essential Health Benefits. Check your plan carefully before enrolling. Plans are subject to medical underwriting, and generally do not cover preexisting conditions, and may have lifetime and/or annual dollar limits on health benefits.
If your coverage expires, or you lose eligibility, you may have to wait until an open enrollment period to get other health insurance coverage.
Ancillary Care Products
Ancillary Care Products include dental care, vision care, accidental injury coverage, critical illness coverage, and/or other services and are supplementary to primary health insurance coverage. Ancillary Care Products may be purchased as an add-on to the main insurance product.
Product availability, coverage and benefits may vary by location, plan type, plan design, and is subject to change. All insurance policies contain exclusions and limitations. Some products may have waiting periods that apply (e.g., STM, dental, critical illness). Please refer to and carefully review the product brochure and plan policy for details.
Advertised Premiums
Advertised quotes, prices and rates may vary based on many factors such as coverage choices, insurance company underwriting practices, and other relevant factors. See Advertising Disclosure Page for more information on advertised rates. Health plans/products advertised on this site are insurance policies or health benefits products (in the case of health maintenance organizations, prepaid health plans and other direct service organizations).
The purpose of this site is the solicitation of insurance. Invitations for applications for insurance are made through Assurance IQ, LLC, only where licensed and appointed. Assurance’s license information can be found here
This website is owned and operated by Assurance IQ, LLC, a licensed insurance agency. Assurance IQ, LLC is not affiliated with any government agency. Assurance IQ, LLC is a wholly owned subsidiary of Prudential Financial, Inc.
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