Open enrollment for health coverage begins Nov. 1, 2024.
It ends Jan. 15, 2025, in most states.
Medicare eligible? We can help you explore your options for medicare insurance.
ACA-compliant for more peace of mind
Along with essential health benefits, our individual and family plans offer other special protections that meet ACA guidelines:
- There's no limit on lifetime or annual coverage for essential health benefits.
- Insurers can't deny a policy based on a pre-existing condition.
- Young adults can stay on their family’s plan until they’re 26.
Why get insurance through USAA?
We work closely with companies like IHC Specialty Benefits to make sure they give you the same service you’d get from us. See note 1
Need help paying for coverage?
You may qualify for federal help to pay for health coverage. For more details and to check your eligibility, visit the subsidy calculator (Opens new window).
Let us help you find the right health plan.
Speak to a licensed agent at IHC Specialty Benefits.
For TTY devices, dial 711
Hours of operation for IHC Specialty Benefits
Note: Days and times may vary.
Individual and family plans FAQ
Have questions about what some things mean? Learn more about health insurance terms glossary index.
Your application for a comprehensive health plan can’t be rejected due to a preexisting condition.
If you apply for a short-term or fixed health plan, your provider can ask questions about your health. That may prevent your application’s approval.
The government has 5 categories of health insurance plans. The difference between each plan level, also called a medal level, is in how the plan splits the cost of care between you and your provider.
- Bronze: Your plan typically pays 60% of health care costs and you pay 40%.
- Silver: Your plan typically pays 70% of health care costs and you pay 30%.
- Gold: Your plan typically pays 80% of health care costs and you pay 20%.
- Platinum: Your plan typically pays 90% of health care costs and you pay 10%.
- Catastrophic: Your plan pays less than 60% of health care costs. This type of plan is only available to people ages 30 and under or those who qualify for an exemption. It only covers essential health benefits like emergency care.
Generally, but not in all situations. Medicare is the basic health insurance coverage for adults age 65 and over. ACA plans are for persons under the age of 65.
To help you understand your health insurance options and make the right choice for you and your family, consult with a health insurance professional.
As a veteran, you may be eligible for TRICARE, VA health care, an employer-sponsored health plan and health plans from private insurers or the health insurance marketplace.
If you’re able to use the VA health care system, you aren’t eligible for health insurance subsidies.
Find a health plan that meets your needs.
Get a quote for a comprehensive health plan. Or speak with a licensed agent at IHV Specialty Benefits to discuss your options.
Hours of operation for IHC Specialty Benefits
Note: Days and times may vary.
