Medical coverage for individuals, families, and small businesses across America.
Health insurance helps pay for doctor visits, hospital stays, prescriptions, preventive care, and emergency treatment. JSI navigates ACA marketplace plans, private individual policies, short-term medical options where permitted, and supplemental products like dental, vision, and critical illness coverage.
Qualified health plans offering essential health benefits, preventive care at no cost-sharing, and premium tax credits for eligible households. Open enrollment runs annually with special enrollment periods after qualifying life events.
We advise small businesses on group health plan selection, contribution strategies, and compliance with ACA employer shared responsibility provisions where applicable.
Hospital indemnity, accident, critical illness, and cancer policies pay cash benefits directly to you, filling deductibles and copays high-deductible plans leave behind.
Premium: Monthly cost to maintain coverage. Deductible: Amount you pay before the plan shares costs. Copay/Coinsurance: Your share at point of service. Out-of-pocket maximum: Annual cap on your spending for covered services.
HMO plans require primary care referrals and in-network providers. PPO and EPO plans offer broader networks with varying out-of-network penalties. We verify your preferred doctors and hospitals participate before enrollment.
Coverage varies by plan and state. Short-term plans may exclude pre-existing conditions and essential benefits. JSI is not a government agency and does not guarantee subsidy eligibility. Always review Summary of Benefits and Coverage documents.
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