Affordable Health Insurance Plans for Individuals, Families & Small Businesses
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🤝 Affordable Health Insurance From Top Carriers
Vivna is appointed with more than 50 carriers nationwide, including the biggest names below. As a result, you see your best options side by side, with no pressure to pick one company.
🧭 Affordable Health Insurance and Every Plan You Need
Affordable Health Insurance is just the start. In fact, Vivna helps you build complete protection, from medical care to dental, vision, life, and supplemental plans. Pick a coverage type to see how it works.
🏥 Health Insurance Plans
Affordable Health Insurance through the ACA marketplace covers doctor visits, hospital care, prescriptions, and free preventive services. Also, every plan covers pre-existing conditions. Plus, many households qualify for tax credits that lower the monthly premium.
Because plans differ by county, our agents compare Bronze, Silver, and Gold options for you. Then we check your doctors and medications before you enroll. Call 888-730-6001 for a free comparison.
- ✅ Essential health benefits on every plan
- 💲 Tax credits that can cut your premium
- 🩺 Free checkups, screenings, and vaccines
- 🛡️ A yearly cap on out-of-pocket costs
⏱️ Short-Term Health Insurance
Short-term health insurance bridges a gap between other coverage. For example, it helps between jobs or after a missed enrollment window. Coverage can often start the next day, and you can apply any time of year.
However, short-term plans are not ACA plans, so they usually exclude pre-existing conditions. Therefore, our agents explain every limit before you buy. Also, these plans are sold only in approved states.
- ⚡ Fast approval and quick start dates
- 📅 Flexible plan lengths in approved states
- 💲 Lower premiums for healthy applicants
- 🏥 Hospital, surgery, and emergency protection
📅 Tri-Term Health Insurance
Tri-Term health insurance stretches short-term coverage up to three years. As a result, you avoid reapplying every few months. In addition, you can enroll year-round in approved states.
Like other short-term plans, though, Tri-Term plans do not cover pre-existing conditions. So they work best for healthy people who need steady, longer coverage. First, our agents confirm your state.
- 🗓️ Coverage that can last up to 36 months
- 🔒 One application for the full term
- 🩺 Copay and deductible plan choices
- 📍 Sold only in approved states
🦷 Dental Insurance
Dental insurance keeps cleanings, exams, and X-rays affordable, often at or near 100% in network. In addition, it helps pay for fillings, crowns, and root canals. So a dental emergency never wrecks your budget.
Because plans differ in waiting periods and yearly maximums, comparing them matters. Our agents check your dentist and match a plan to your needs. Call 888-730-6001 to compare dental plans.
- 🪥 Preventive care at little or no cost
- 🦷 Help with fillings, crowns, and root canals
- 👪 Individual and family plans
- 📈 Higher yearly maximums on richer plans
👓 Vision Insurance
Vision insurance helps pay for eye exams, glasses, and contact lenses. Also, a yearly exam can spot diabetes or high blood pressure early. As a result, vision coverage protects more than your eyesight.
Plans differ in frame allowances, copays, and networks. Therefore, our agents compare them based on how you use eye care. Then you pick the plan that fits your family.
- 👁️ Yearly eye exams for a small copay
- 👓 Frame and lens allowances
- 🔄 Contact lens allowances
- ✨ Discounts on laser vision correction
😁 Dental & Vision Bundles
A dental and vision bundle covers your smile and your eyesight under one plan. Plus, you get one bill and often one ID card. So routine care stays simple and affordable.
Many adults need this bundle, because ACA plans cover dental and vision only for children. Our agents compare bundles side by side for you. Call 888-730-6001 to get started.
- 🦷 Cleanings and exams included
- 👓 Eye exams plus glasses or contacts
- 💳 One plan and one monthly bill
- 💲 Bundle savings on many plans
🕊️ Life Insurance
Life insurance protects your family if something happens to you. For example, it can pay off the mortgage, cover debts, and replace your income. Also, coverage costs less when you buy it younger and healthier.
Vivna compares term, whole life, and final expense policies from trusted carriers. Then we help you choose the right amount of coverage. Call 888-730-6001 for a free life insurance quote.
- 🛡️ Term life for income replacement
- 🏦 Whole life with lifelong coverage
- 💐 Final expense for end-of-life costs
- 🔒 Level premiums on many policies
🩹 Supplemental Insurance
Supplemental insurance pays cash directly to you after a covered accident, illness, or hospital stay. Then you decide how to spend it. For instance, it can cover deductibles, copays, or household bills during recovery.
These plans work alongside your health plan rather than replace it. Therefore, they close the gaps a high deductible leaves behind. Meanwhile, our agents help you find the right mix for your budget.
- 💥 Accident insurance
- ❤️ Critical illness coverage
- 🏥 Hospital indemnity plans
- 💵 Cash paid directly to you
🚀 How Vivna Finds Your Affordable Health Insurance
Getting covered should take one call, not one week. So our licensed agents handle the hard parts for you, from comparing plans to finishing your application.
First, share your budget, doctors, medications, and state. It only takes a few minutes.
Then we line up plans from trusted carriers and apply every savings you qualify for.
Next, we explain each option in plain language, so you pick the right fit.
After you enroll, we help with claims, changes, and yearly reviews at no cost.
Open Enrollment Starts November 1
This is the yearly window to pick a new health plan or switch carriers. So get ahead now, and call 888-730-6001 early. That way, your plan is ready the day the window opens. Also, read our open enrollment guide.
Get Ready Now⚖️ Shopping Alone vs. Shopping With Vivna
Your Affordable Health Insurance plan costs the same whether you enroll alone or with an agent. However, the help you get is very different.
In other words, an agent gives you more help for the same price. That is because carriers pay us directly, so you never pay a fee. Call 888-730-6001 and see the difference.
⭐ What Our Clients Say About Vivna
Our agents treat every client like family. Here is what a few of them had to say after getting covered.
“Heather Sprague is bar none the best health insurance rep I’ve ever had. She personally calls you even on off-hours if you have a question, and she fixes any issues you might have. I can’t say enough good things about her and Vivna - honest, trustworthy, reliable, and just good people who care!”
“Renewal period, and put off dealing with making this call because I dreaded it! But I was blessed to get Heather to help me, and she was AMAZING! Called when she said she would and took 100% care of every step, including calling my doctors to ensure they were in the plans we were shopping. Thank you, Heather, for making an awful chore tolerable and, dare I say, enjoyable.”
“To anyone wanting to find a highly knowledgeable and helpful agent, I would highly recommend choosing a Vivna insurance agent. I have been blessed to have an agent two years in a row who really went above and beyond to find an insurance plan that fit my needs. Both Stephen & Heather truly should be commended for the hard work they do in finding the right insurance that fits the needs of the consumer.”
“Heather S. is FANTASTIC, and her customer service was remarkable! She walked me through the entire process and made me feel like family. Throughout my experience, she showed kindness and professionalism, responsiveness and genuine care - ensuring I was taken care of each step of the way. Great service and people! A+”
“I was very happy working with this insurance company. They were very clear on what the policy covered, and the price was less than what I expected. Overall, this was a good experience, and I’d highly recommend them to anyone looking for health insurance. Thanks, Vivna”
“I just signed up, and my coverage hasn’t begun yet, so I can’t vouch for the company or the plan, but Jessica was very helpful, positive, and professional. She answered all my questions and walked me through every step of the application process. Excellent agent!”
“Jessica Grant and Alice P. were phenomenal. Both went above and beyond to meet my needs. They are a great asset to your company. I appreciate their service more than I can ever say. Thank you both.”
“Jessica was a helpful agent, and I am so excited to have my insurance get going with her positive attitude!”
🗺️ Affordable Health Insurance in Your State
Vivna Insurance is licensed in 48 states, and every state has its own plans, prices, and rules. So click your state to see local options from every carrier we work with.
📍 Browse All State Guides
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, D.C.
- West Virginia
- Wisconsin
- Wyoming
Not sure which plan fits? A licensed agent can compare options in your state at no cost. Call 888-730-6001 today.
📚 Your Health Insurance Resource Center
Everything on Vivna starts right here. So jump straight to the FAQs, carrier guides, state pages, and helpful guides you need.
❓ FAQ Library
🗺️ Coverage by State
❓ Affordable Health Insurance FAQs
Affordable Health Insurance raises plenty of questions, so we answer the most common ones here. Below, our licensed agents cover plans, costs, enrollment, and how working with Vivna helps.
🏥 Plans & Coverage
What is an ACA marketplace plan?
An ACA marketplace plan is Affordable Health Insurance sold through the federal or state marketplace. Every plan covers essential health benefits and pre-existing conditions. Also, many people qualify for tax credits. Learn more in our marketplace plan comparison.
What types of insurance does Vivna offer?
Vivna offers health, short-term, Tri-Term, dental, vision, life, and supplemental insurance. So you can build complete coverage in one place. Explore our health plans, dental and vision bundles, and supplemental plans.
What is a short-term medical plan?
A short-term medical plan gives temporary coverage between other plans. For example, it can help between jobs. However, it does not cover pre-existing conditions. Compare both options in short-term vs. ACA coverage, or visit our short-term plans page.
🤝 Working With Vivna
Does Vivna work with multiple insurance companies?
Yes. Vivna is appointed with more than 50 carriers nationwide, including UnitedHealthcare, Ambetter, Oscar, Cigna, and Molina. As a result, we compare real options side by side instead of pushing one company.
How do Vivna agents help me choose a plan?
First, we review your doctors, medications, and budget. Then we compare plans from several carriers and check your savings. Finally, we guide your enrollment from start to finish. Meet the team on our About Vivna page.
Will I keep the same agent after I enroll?
Yes. Your agent helps with claims questions, plan changes, and yearly reviews. In addition, we recheck your doctors and drugs each open enrollment. So your coverage keeps fitting as life changes. Have a question now? Call 888-730-6001.
💲 Costs & Savings
Is there a cost to work with a Vivna agent?
No. Your plan costs the same whether you enroll alone or with us. That is because carriers pay agents directly, so there are no fees for you. Simply call 888-730-6001 or request a free quote online.
Can I get help paying for health insurance?
Yes. Premium tax credits lower monthly costs for many households, based on income and family size. Plus, Silver plans can include extra savings on deductibles. Learn how premium tax credits work.
How do metal levels affect my costs?
Bronze plans have the lowest premiums but higher costs when you need care. Meanwhile, Gold plans cost more each month but less at the doctor. Silver sits in between. Compare them in our guide to metal levels.
📅 Enrollment & Timing
When can I enroll in a health plan?
Open enrollment usually runs November 1 through January 15 in most states. So enroll by December 15 for coverage that starts January 1. Read our open enrollment guide for every step.
Can I enroll outside of open enrollment?
Yes, if you have a qualifying life event, such as losing job coverage, moving, or having a baby. That opens a Special Enrollment Period. Otherwise, short-term plans may help in approved states. Check your options on our state coverage hub.
Am I required to have health insurance?
There is no federal penalty for going uninsured. However, a few states, such as California, Massachusetts, and New Jersey, have their own mandates. Even without a penalty, one hospital stay can cost thousands. Browse our health insurance FAQs for more.
Answers are general, and plan details vary by carrier and state. Call 888-730-6001 to confirm your options.
📰 Latest Health Insurance Guides
New guides go up all the time. Each one explains a piece of coverage in plain language, so you can shop smarter.
📞 Talk to a Licensed Agent About Affordable Health Insurance
Affordable Health Insurance is easier with a real person on your side. So call 888-730-6001, and a licensed Vivna agent will compare your options in minutes. Best of all, our help never costs you a thing.
Prefer to start online? Then request a free quote or visit our contact page. We reply quickly during business hours.
Official resources: HealthCare.gov and the National Association of Insurance Commissioners.
- 📞Call888-730-6001
- ✉️Emailmemberservices@vivna.net
- 📍Office810 SE 8th Ave, Suite A
Deerfield Beach, FL 33441 - 🕘HoursMonday to Friday, 9am to 6pm ET
- 🌎Licensed in 48 statesHelp by phone, wherever you live