Discount health plans are not qualified plans under the Affordable Care Act (ACA).
Discount health plans are membership programs used to supplement health insurance, save money on out-of-pocket health costs and make ancillary services more affordable through discounts.
Ancillary services typically not covered by insurance plans include: dental care and vision for adults, hearing aids, chiropractic services, and popular alternative medicine techniques like acupuncture.
In exchange for a monthly fee, people get a discount health plan membership, a list of in-network providers, and a discount on services when visiting those providers.
Discount health plans are available for a variety of health care services not covered in many ACA plans, including dental and vision for adults, chiropractic, hearing and alternative medicine.
Discount health plans typically fall into two categories:
Limited to specific type of service with discounts (e.g., dental, prescription, vision).
Bundled services with discounts (e.g., dental + vision + telehealth)
Savings with discount health plans vary based on services, procedure and location.
Typically, plans offer anywhere from 20% to 60% off the regular fee of services provided.
Nearly 27 million Americans are members of discount health plans through a variety of entities, including: associations, senior organizations, educational groups, businesses, nonprofits, financial institutions and unions.