Affordable Choice Health Plans by Manhattan Life
Affordable Choice Health Plan
A cost effective way to cover yourself, your family or small business.
Affordable Choice Health Plans by Manhattan Life
Lower Premiums - First-Dollar Coverage - Nationwide Access.
Tired of rising ACA premiums and high deductibles?
Affordable Choice Health Plans by Manhattan Life offer a smarter, more affordable alternative
designed for individuals, families, and small businesses who want meaningful coverage without overpaying.
Save Up to 50% Compared to ACA Plans
Many consumers are paying full price for ACA coverage without receiving full value. Affordable Choice Health Plans are designed to help members reduce monthly premiums by up to 50%, while still providing access to quality care.
Why people switch to Affordable Choice:
- Significantly lower monthly premiums
- Benefits that start immediately
- No deductibles or coinsurance
- Simple, predictable coverage
First-Dollar Coverage That Starts Day One
Unlike traditional health insurance, Affordable Choice Health Plans provide first-dollar benefits—meaning you don’t have to meet a deductible before your coverage works for you.
Covered benefits include:
- Doctor’s office visits
- Prescription benefits
- Allergy shots and immunizations
- Hospital admissions
- Surgery and assistant surgeon benefits
- Daily anesthesiology benefits
- Cancer benefits
Get the flexibility to access care wherever you live or travel with one of the largest healthcare provider networks in the country.
- 810,000+ physicians and healthcare professionals
- 1.5 million+ service locations
- 5,900+ hospitals nationwide
- 125,000+ ancillary facilities
Flexible Coverage Designed for Real Life
Choose from four levels of coverage to match your healthcare needs and budget.
Ideal for:
- Individuals and families
- Self-employed professionals
- Early retirees under age 65
- Small business owners
Plan features include:
- Eligibility up to age 64
- Next-day coverage activation
- Family rates available
- Group billing options for employers
Built-In Support with the Care Guide Program
Every plan includes access to the Care Guide Program, helping you navigate healthcare decisions and reduce out-of-pocket costs.
Care Guide services include:
- Personalized healthcare coordination
- Medical Bill Saver and RX Shopper tools
- Help with second opinions
- Support for healthcare and insurance questions
A Smarter Alternative to ACA Health Insurance
Affordable Choice Health Plans by Manhattan Life are ideal for consumers who:
- Do not qualify for ACA subsidies
- Want lower monthly premiums
- Prefer first-dollar style benefits
- Are looking for an ACA alternative with real coverage
Get a Quote Today
Find out if Affordable Choice Health Plans are right for you.
Compare coverage options and see how much you could save.
Your Health is Our Priority
We understand that health insurance can be confusing and overwhelming.
That's why we are here to help. The process is very easy to get health care coverage .
5 simple steps and you can secure next day coverage.
- View plans available in your area
- Pick your plan
- Start an online application
- Answer a handful of medical questions
- Pay 1st month premium
You can also chat with one of our friendly agents!
Find a Plan
Explore our range of plan options.
Find the one that's right for you.