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    Before You Quote U65 Health, Start Here

    When U65 health breaks down, agents lose deals and clients lose care. Our hand selected plans fix both — with protection clients can use and income agents can count on.

    Add Premier U65 Plans
    Learn More
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    Before You Quote U65 Health, Start Here

    When U65 health breaks down, agents lose deals and clients lose care. Our hand selected plans fix both — with protection clients can use and income agents can count on.

    Add to Portfolio Today
    Learn More

    Agent Nucleus, in partnership with:

    MedMutual Protect Logo.pngGroup-2147225576-scaled.pngCHO Logo Bar.pngSumhealth Logo.pngAmeristead Logo.png

    Agent Nucleus, in partnership with:

    MedMutual Protect Logo.pngGroup-2147225576-scaled.pngSumhealth Logo.pngCHO Logo Bar.png
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    Meanwhile, Millions Are Being Priced Out of Coverage

    The market has shifted. Under 65 clients are getting squeezed by rising premiums, tighter networks, and tougher eligibility. Top producers are responding with smarter bundles that close gaps, meet compliance, and build steady, year-round income.

    View ACA State-by-State Coverage Drops →

    Meanwhile, Millions Are Being Priced Out of Coverage

    The market has shifted. Under 65 clients are getting squeezed by rising premiums, tighter networks, and tougher eligibility. Top producers are responding with smarter bundles that close gaps, meet compliance, and build steady, year-round income.

    View ACA State-by-State Coverage Drops →

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    When the System Tightens, You Don’t Step Back

    You lean in. You adapt. You find a better way to protect your clients—and your business.

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    Turning Challenges into Real Protection

    Agents are facing real challenges, and the right coverage makes all the difference. These plans provide actionable solutions that actually protect clients and simplify the selling process.

    ✦ CHO – ACA Alternative

    • Guaranteed Issue — no Medical Underwriting

    • Deductibles Ranging from $0 - $5000

    • Chosen Deductible is Calendar Year up to $1M

    • Care Start to Finish Both Inpatient & Outpatient

    • Covers Ambulance, ER, Surgery, ICU & more

    • Includes Physical Therapy & Follow up Care

    • Optional AD&D

    • Options from 80%–100% Protection after Deductible

    Add to Portfolio
    PDF Overview

    ✦ OneHealth Plus – PPO Plan

    • Nationwide PPO access through the Cigna network (1.3M+ doctors & facilities)

    • See providers in or out of network

    • Specialist visits without referrals

    • 8 deductible options, including HSA-compatible plans

    • Low copays for common services

    • $0 telemedicine & preventive care

    • Broad national pharmacy access

    • Real-time underwriting in ~90% of applications

    • Optional add-ons available. 

    Add to Portfolio
    PDF Overview

    ✦ Ameristead – PPO Plan

    • Nationwide PPO access through the Cigna network (1.3M+ doctors & facilities)

    • See providers in or out of network

    • Specialist visits without referrals

    • 6 deductible options, including HSA-compatible plans and catastrophic protection option

    • Low copays for common services, $0 telemedicine & preventive care

    • Broad national pharmacy access

    • Composite rates

    • No minimum participation

    • Simple knock out underwriting 

    Add to Portfolio
    PDF Overview

    ✦ MedMutual Protect – Accident

    • No Copay Wellness Visits

    • Unlimited Low Copay Office & Specialist visits

    • Urgent Care

    • Labs and X-Rays

    • Prescription coverage

    • Virtual Care – No Cost 24/7 Telemedicine

    • Discounts on Dental, Vision, Imaging, Labs, and Medical Supplies

    • Optional Indemnity

    • Optional add-ons: Dental & Vision Insurance

    Add to Portfolio
    PDF Overview

    ✦ MedMutual Protect – SD

    • Covers 20+ Major Conditions, Including the Big 3

    • Includes Diabetes, Gastrointestinal Disease, & Gout

    • Deductibles Range from $0-$5000

    • Options from 80%–100% Protection after Deductible

    • Chosen Deductible is Calendar Year up to $1M

    • Care Start to Finish Both Inpatient & Outpatient

    • Covers Ambulance, ER, Surgery, ICU & more

    • Optional Cancer First Occurrence benefit

    • Optional Indemnity Options & More

    Add to Portfolio
    PDF Overview

    💡 MedMutual Protect: Unlike any other Critical Illness, Specified Disease, or Accident product you sell. This isn’t a limited lump-sum policy. It works like real insurance, with a calendar-year deductible and up to $1 million in annual coverage and $5 million lifetime protection.

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    Bridging the Coverage Gap

    When coverage fails, deals stall and clients suffer. These plans act like a bridge: straightforward, predictable, and designed to deliver benefits your clients will actually use.

    CHO ACA Alternative

    • No Copay Wellness Visits

    • Unlimited Low Copay Office & Specialist visits

    • Urgent Care

    • Labs and X-Rays

    • Prescription coverage

    • Virtual Care – No Cost 24/7 Telemedicine

    • Discounts on Dental, Vision, Imaging, Labs, and Medical Supplies

    • Optional Indemnity

    • Optional add-ons: Dental & Vision Insurance

    Add the ⚡Power Pack
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    A Game Changer for My Clients

    "I have specialized in employee benefits for over 10 years, and these medical plans have been a valuable asset for my agency and clients. The CHO plans let my clients offer affordable, quality benefits that truly meet their needs."

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    Cory Matt

    CEO, The Livan Agency

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    Why Top Agents Choose These Plans

    For agents serious about winning U65 clients, these plans are a must-have: simplified underwriting, strong coverage, and real-world client value.

    ✔ Portfolio Advantage

    Offer multiple plan structures so you can help more clients instead of turning business away.

    ✔ Competitive Positioning

    Strong alternatives when ACA plans become too expensive for clients to reasonably maintain.

    ✔ Flexible Plan Designs

    Different deductible levels and benefit structures allow agents to tailor protection

    ✔ Modern Health Solutions

    Innovative plan designs responding to rising healthcare costs and market changes.

    ✔ Better Client Conversations

    More options allow agents to present solutions instead of limitations.

    ✔ Year-Round Opportunities

    Serve clients outside traditional enrollment periods with additional coverage options.

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    A Challenge Every Agent Has Seen Firsthand

    Every agent has been there or heard the stories.  A client gets the care they need… then weeks later the hospital bill arrives. Confusing charges. Numbers that don’t add up. Clients stressed and looking for answers.

    It’s a reality outside of coverage, and knowing the right tools can make all the difference.

    Medical Bill Advocacy

    Dr. Bill, nationally recognized patient advocate, helps clients review and challenge hospital bills. Featured on Dr. Phil, Chris Cuomo, and other major media outlets.

    AI Hospital Bill Analysis

    Tools like SumHealth's TrueCharge AI let clients compare hospital charges to real negotiated rates and spot potential overcharges.

    Empower Your Clients

    Point clients to resources that give them insight into healthcare costs and billing errors, helping them protect their finances after care.

    Be the Trusted Advisor

    Agents who know these tools can provide solutions, building credibility and loyalty.

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    A Tool Your Clients Will Appreciate

    Run hospital charges through advanced analysis tools built for patient advocacy.

    Analyze a Statement

    Give Your Clients Better Options

    Add plans that solve real problems, simplify healthcare, and provide peace of mind for your under-65 clients.

    Get Started
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    Give Your Clients Better Options

    Add plans that solve real problems, simplify healthcare, and provide peace of mind for your under-65 clients.

    Get Started

    *Coverage, limits, and exclusions vary based on plan selected. Refer to policies for full terms.