5. Profile 4 — Family Coverage Shopper
Has a spouse, kids, or both. Needs to cover a full household.
Who They Are
Has a spouse, kids, or both. Needs to cover a full household. ACA family plans can run $1,500–$2,500/month unsubsidized, so they are almost always actively shopping for something better.
What They Are Dealing With
- ACA family premiums are unaffordable without subsidies
- Worried about whether the plan will actually cover the kids if something happens
- Wants to understand exactly what they are getting before committing
- Per-person benefits are a major advantage here — benefits apply to every covered family member
- The accident plan is especially valuable for families with active kids
- If one family member has a disqualifying condition, do not kill the deal — there are options. We can place the rest of the family on our plan and look at alternatives for that individual.
- The cost comparison to ACA family plans is often dramatic — let the numbers do the work
What to Know Going In
- Per-person benefits are a major advantage here — benefits apply to every covered family member
- The accident plan is especially valuable for families with active kids
- If one family member has a disqualifying condition, do not kill the deal — there are options. We can place the rest of the family on our plan and look at alternatives for that individual.
- The cost comparison to ACA family plans is often dramatic — let the numbers do the work