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As an independent contractor, small business owner and entrepreneur, driver and part-time worker, you keep things moving — but an unexpected hospital stay can slow you down and bring your income to a halt. ManhattanLife's Affordable Choice Enhanced plan pays you cash benefits and helps cover out-of-pocket medical costs, so you can focus on recovery instead of worrying about lost earnings or medical bills.
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.

Quick Benefits

  • No Deductibles or Coinsurance

  • Choose Your Own Hospital

  • Hospital Admission Benefit

  • Cancer Benefit Included

  • Choose Your Own Doctor

  • First Dollar Doctor Visits

  • Dr. Office Visit Rollovers

  • Prescription Benefit

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.

 Eligibility Requirements

  • 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

4 Plans to Choose From

plans gig worker
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.

Monthly Rates You Can Count On

  • Classic: Starting at $77.67/month*

  • Classic Plus: Starting at $103.92/month*

  • Elite: Starting at $132.06/month*

  • 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
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* 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
first health network

  • Access 810,000+ doctors and 5,900 hospitals nationwide

rxedo-1

  • Save up to 80% at 67,000 pharmacies

rgeen imaging

  • Low-cost diagnostic imaging like MRIs and CT scans

telehealth

  • 24/7 access to doctors, behavioral health and pharmacy savings

direct labs

  • Help in direct access laboratory testing

careguiide

  • Assistance with billing, second opinions and medical shopping

Ready to Get Started?

Thank you for your interest in the Affordable Choice Enhanced. Once you submit your information, a friendly licensed agent will review your details and help you find the right hospital indemnity plan — with no pressure, no hidden fees and no obligation to enroll.
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.