If ACA health insurance feels out of reach, you’re not alone. Rising premiums have left many without affordable options but that doesn’t mean you have to go without coverage. ManhattanLife’s Affordable Choice Enhanced plan offers low-cost, cash-paying protection that helps cover hospital stays, doctor visits and everyday medical expenses.
This plan is not comprehensive major medical coverage. It’s designed to work alongside your existing health insurance to help cover out-of-pocket costs.
For adults ages 18–64. Family coverage available.
How it Works
A Hospital Indemnity Plan pays a fixed cash amount directly to you when you’re hospitalized or receive certain medical treatments — regardless of what your doctor or hospital charges. You can use this money for medical bills, rent, childcare or any expense you choose.
- Adults between the ages of 18 and 64
- Gig workers, independent contractors, and self-employed individuals
- Eligible members may enroll their spouse and dependent children
The benefits and payouts shown above are a summary of key features only. This is not a complete description of all available benefits, limitations, or exclusions. For a full list of plan details, including additional covered benefits, please refer to the official Affordable Choice Enhanced brochure and speak with a licensed ManhattanLife representative.
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Classic: Starting at $77.67/month*
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Classic Plus: Starting at $103.92/month*
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Elite: Starting at $132.06/month*
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Elite Plus: Starting at $174.43/month*
* Price shown is for an individual aged 18–29. Rates vary by age and selection of riders.
Real Life Examples
* Amounts based upon Affordable Choice claims data. Results may vary. These are contractually negotiated discounts between a network and the hospitals and doctors. Discounts can vary among providers. Hospital discounts can be as much as 40% to 50% and doctors vary between 25% and 35%.
Included Value-Added Services
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Access 810,000+ doctors and 5,900 hospitals nationwide
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Save up to 80% at 67,000 pharmacies
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Low-cost diagnostic imaging like MRIs and CT scans
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24/7 access to doctors, behavioral health and pharmacy savings
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Help in direct access laboratory testing
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Assistance with billing, second opinions and medical shopping
Ready to Get Started?
Your personal information is protected and used solely for the purpose of providing insurance information and quotes. ManhattanLife does not sell or distribute your data to third parties.
This is a Hospital Confinement and other Fixed Indemnity Insurance Policy Underwritten by ManhattanLife Insurance and Annuity Company.