Protect yourself from costly out-of-pocket expenses. Get a free quote in minutes no obligations, just answers.
When your ACA plan falls short, supplemental insurance steps in covering out-of-pocket costs, hospital stays, and more. Get peace of mind with an extra layer of financial protection.
Find the perfect supplemental insurance in 2 minutes
Covers what your ACA plan doesn't
Money paid directly to you
Use funds however you need
Supplemental insurance works alongside your ACA plan to offer added financial protection. According to AHIP, these policies help cover out-of-pocket costs and offer flexibility, including cash payouts for medical expenses.
| Supplementary helps your ACA plan cover what it doesn’t | |
| It often pays benefits directly to you as cash, not the hospital or provider. | |
| Provides cash payouts, giving you control over how the money is used. | |
| You're not restricted to specific medical providers or treatments. |
Policy Bear is one of the best supplement health coverage companies in the USA. Get the highest quality coverage when you work with us.
Accidents can happen anytime, be prepared.
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Protect yourself and your family with peace of mind.
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Your primary health insurance always pays first, covering benefits according to your plan's terms.
After your primary insurance payment, supplemental insurance provides cash benefits as specified in your policy.
Many supplemental plans pay benefits directly to you, regardless of what your primary insurance covers.
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Licensed agents compare multiple plans and provide 100% free, unbiased recommendations.
We work with the biggest and most trusted names in supplemental coverage.
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We listen, understand your unique needs, and guide you with clear information.
Real stories from real people who found affordable health insurance with Policy Bear.
“Policy Bear helped me find an affordable plan that covers my family's needs without breaking the bank. The whole process was simple, and I felt supported every step.”
Small Business Owner
“Big thanks to Policy Bear, for bringing me the right health coverage for my family, now we can afford the whole medical cost without any burden.”
Freelance Designer
“Excellent service! They handled all the paperwork and made sure my family's coverage started exactly when we needed it. Highly recommended!”
Working Mother
“Policy Bear helped me find an affordable plan that covers my family's needs without breaking the bank. The whole process was simple, and I felt supported every step.”
Small Business Owner
“Big thanks to Policy Bear, for bringing me the right health coverage for my family, now we can afford the whole medical cost without any burden.”
Freelance Designer
“Excellent service! They handled all the paperwork and made sure my family's coverage started exactly when we needed it. Highly recommended!”
Working Mother
Get answers to common questions about ACA insurance, enrollment, and our services
Any individuals earning up to 400% of the Federal Poverty Level can apply for ACA health insurance to receive expected Subsidies.
Yes, many Americans qualify for ACA plans with a $0 monthly premium, especially after the subsidy expansions under the American Rescue Plan and the Inflation Reduction Act (extended through 2025).
Open enrollment starts from November 1 to January 15 each year. Special enrollment periods are available for qualifying special events.
The Special Enrollment is simply for special chance of health coverage when you miss the regular period of the Open Enrollment.
You can calculate your health insurance subsidy, using the HealthCare.gov calculator with your annual income and household size.
Without health insurance, you will face thousands in medical bills from unexpected health emergencies, limited access to doctors who require insurance.
Yes, Policy Bear's service is completely free because we're paid by insurance companies, not by you. You pay the same premium whether you work with us or go directly to the insurer, but for expert guidance and ongoing support we don't charge you a single penny.
