Alternative plans to a Qualified Health Plan from the ACA Marketplace include Short Term Health Plans, and Doctor & Hospital Indemnity Plans.    These plans are available for adults ages 18-64, their spouse and children up to age 26-31 (depending on state of residency).  These plans vary by state and can be obtained at any time.  They are not considered “Affordable Care Act” insurance.  As such, they are subject to medical underwriting.  Plans are affordable, offer usable insurance and you can choose your deductible from low to high.  Note:  Doctor & Hospital Indemnity plans are available with $0 deductible.