Underage Health

Health Insurance for Individuals and Families

ACA Marketplace Calculator

Financial help for Health Insurance coverage through Marketplaces.

What is Health Insurance?

Health insurance is coverage that pays for medical and-or surgical expenses incurred by the insured. Health insurance can reimburse clients for expenses caused by illness or injury or can pay the care-provider directly.

What is the Affordable Care Act?

The Affordable Care Act (ACA), which is sometimes called Obamacare, is designed to make guaranteed issue health insurance plans available to everyone. These plans cover preexisting conditions along with a list of essential health benefits that don’t change from plan to plan.

The ACA has established a yearly Open Enrollment period for individual health insurance. In most cases, if you want ACA coverage, you must enroll in an ACA-compliant medical plan within that period. However, if you experience a qualifying event outside of that Open Enrollment window, you may be able to enroll during a Special Enrollment Period.

Short-Term Health Insurance

Short-Term health insurance plans are designed to bridge gaps in your health care coverage during times of transition.

Short Term or Temporary health insurance plans may make sense if you are:

  • Rolling off your parent’s insurance
  • In between jobs
  • Without health insurance, have missed Open Enrollment and do not have a qualifying event for Special Enrollment
  • Waiting for your Affordable Care Act (ACA) coverage to begin
  • Waiting for benefits to begin at a new job
  • Waiting for Medicare
  • Needing a temporary alternative to COBRA insurance
  • Losing coverage following a divorce
  • Under 65 and in good health

In these situations and others where you find yourself temporarily lacking health care coverage, choosing a Short-Term health insurance plan may be just the security you need to get you to that next stage of your life.

Hospital Indemnity

Hospital Indemnity Insurance, also called Hospitalization insurance or Hospital insurance, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons or for other medical services, depending on the policy.

Critical Illness

Critical Illness insurance pays a lump sum cash benefit directly to the policyholder in the event of a qualifying serious illness.

A Critical Illness policy may cover:

Heart Attacks Strokes
Life-Threatening Cancers Loss of Hearing
Loss of Speech Loss of Vision
Major Transplants Paralysis
Comas Renal Failures
Carcinoma in Situ Coronary Artery Bypass Grafts

Quoting Resources & Tools

Quoting available on our product portfolio


Pinnacle works with a wide variety of carriers to help provide your clients with the best options available.

Insurance News

Aetna | Finish strong: AEP deadlines, compliance reminders

We’re in the home stretch! Thank you for all your efforts this AEP, and for your dedication to helping members and clients enroll in a plan

Fidelity & Guaranty Life Insurance | Annuity Rate Update

We are adjusting rates for our FG Guarantee-Platinum® 3, 5 and 7 multi-year guaranteed annuities (MYGA). New rates will be effective on December 14, 2023.

Independence Blue Cross | The Last Day of AEP is December 7. What’s Next?

We appreciate your helping Independence Blue Cross (IBX) make this another memorable Annual Enrollment Period (AEP). AEP ends December 7,

Athene | Rate update for Athene Products

We’re updating rates on Athene products. Rate grids with current and new rates can be found below. Visit Athene Connect for additional product information or to run an illustration.

Nationwide | SPIA Available in New York

On November 13, 2023, Nationwide® announced that our INCOME Promise Select immediate annuity reopened to new sales in the state of New York.

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.