Your Affordable Family Health
Insurance Marketplace

$0 Deductible and $0 Co-Pay Plans Available

Find the Best Health Insurance Coverage in Your State! Ask for A Free Quote Today

Joanne P

Thank you so much for your continued patience and working with us to get my family covered.

Joanne P

Larry M

Because I planned ahead of time and went in-network. I received a $44,000 discount on my hospital bill. Because the total payments exceeded the amount due (after discounts), I received a refund check in the mail for $7,000.

Larry M

Lisa G

My agent has been the most help with switching our coverage for our small business we really appreciate it.

Lisa G

Stacey D

Satisfied with the insurance, everything is going well, and I appreciate my agent for calling to check in on me and my family.

Stacey D

Mark S

Thank You for all your help! I know I had a lot of questions, but this is a big decision for our company that means a lot to our employees. My agents did an OUTSTANDING job helping me work through the decision. Thanks Again!

Mark S

Health Coverage Comparison

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Which Health Insurance Plan is Best for Me?

When choosing a plan, you first need to assess your personal healthcare needs, look at all of your options, and choose a health insurance plan that fits your lifestyle and stays within your budget. How do you determine which health insurance is primary? You can by asking these questions:


How often do I visit the doctor?


What type of treatment do I need in the next 12 months?


What prescription drugs do I currently take?


What type of outpatient treatment will I need?


Which healthcare providers/physicians do I prefer?

Once you establish your healthcare needs, you can narrow your search to affordable family health insurance companies in your state. Some of the health insurance providers that we work with include:

Insurance Plan is Best
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41881075 0 Philadelphia America
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Welcome to the MultiPlan PHCS Network

With the PHCS Network, you choose any doctor within the PPO network. You get an additional opportunity to save your healthcare dollars without sacrificing benefits.. MultiPlan’s PHCS Limited Benefit Network gives you discounted access to


Qualified doctors


Healthcare facilities




Imaging centers



Multiplan is one of the oldest and largest healthcare networks in the U.S. Currently, MultiPlan contracts with over 770,000 respected practitioners, 5,000 hospitals, and 70,000 ancillary care facilities, making it easier than ever to find a participating healthcare provider in your area. You save an average of 20-30% off inpatient and outpatient hospital charges when you use the MultiPlan Network.

Sample Monthly Premiums

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A Better Alternative to Traditional Insurance

We differ from the Affordable Care Act (Obamacare)

Our affordable family health insurance plan provides full medical benefits. It may differ from what you are accustomed to because we created a comprehensive package with lower rates. While insurance providers have increased many of their rates by as much as 100% from 2017 to 2018, we provide alternative solutions for similar benefits with more affordable rates.

As a private exchange broker, we have multiple plans available from multiple insurance companies that you can choose from. Simply undergo a routine underwriting process to see if you qualify.

Affordable Care Act Our Coverage
Avg. Deductibles $7,000 $2,500
Premiums Increase 25%-100% annually Save up to 50%
Cash Sum Benefits None for critical illness Up to $100,000 lump
sum for critical illnesses
Enrollment Period 45 days All year
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A Health Insurance Solution That Makes Sense


We leverage what you self-pay for medical services. You end up paying much less than what insurance companies pay out.


We negotiate procedures and services from healthcare providers and treatment facilities within Multi-Plan on your behalf. So, if you are self-paying, you save up to 80 percent when you use a provider that is in the network.


PHCS Multiplan is the largest healthcare PPO network in the country.


You choose any doctor In network.


Our plans pay out benefits based on all benefits schedules regardless if the benefit exceeds your discounted price. You simply pay the remaining balance.


Use Healthcare Bluebook, a simple online tool, to help you find the best care and price for your procedure in your local area.

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We Offer Affordable Health Insurance in These States:

We are licensed health insurance brokers that can help you find affordable family health insurance in your state. We currently help individuals, families, and small businesses in 33 states. If you live in any of these states, feel free to contact us to learn more about health insurance options available for your home or business.

Frequently Asked Questions:

What is a limited benefits policy? What does it cover?

The policy comes with three tiers so we can get the most comprehensive coverage at the most affordable price. The tiers include:

Tier 1 – Provides coverage for doctor office visits, urgent care, labs, tests, diagnostics, annual preventive care, annual OB/GYN preventive care within the PHCS Multi-Plan, and/or First Health Network.

Tier 2 – Provides coverage for specialty doctor prescriptions, hospitalization, ambulatory, mental illness, etc. (best coverage and rates if using a PHCS Multi-Plan facility)

Tier 3 – Provides coverage for critical illnesses such as heart attack, cancer, stroke, etc.

Can I choose my own doctor?

You can choose from two of the largest networks in the country, which are First Health ( and PHCS Multi-Plan ( All plans are PPO network.

Which tier covers generic and brand name prescriptions? Is there a copay for prescription medications?

Tier 2 provides coverage for prescriptions for both generic and brand name.

With the combination of network discounts and reimbursements, generic prescriptions cost $10 on average and brand name $20 on average. Some brand names are expensive and may cost more than $20. If so, we recommend going back to the doctor to see if there is an alternative prescription.

How is the insurance plan chosen?

As a private exchange broker, we have multiple plans available from the insurance companies that you may choose. You may have to qualify for the plan and undergo a routine underwriting process. The underwriters can help you choose the Insurance company that best matches your needs.

Is there a one-year commitment? If so, when can I drop the plan?

Your commitment is for one year. Afterward, your policy will automatically renew each year. You will receive a notification to remind you of renewal and give you an opportunity to make any changes to your policy. You can cancel the policy at any time.

Is there an open enrollment period?

Enrollment is available throughout the year.

Do you provide full health coverage?

Our health insurance plan provides full benefits. It may differ from what you are accustomed to because we created a package that provides comprehensiveness at lower rates. Most policies on the exchange are with BCBS or Humana, and the rates have increased by as much as 100% from 2017 to 2018; plus, the deductibles have increased. We are providing alternative solutions to the public who are looking for a provider with similar benefits but for more affordable prices.

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Contact Insurance Enterprise for Premier Health Insurance

If you have questions about group or individual health insurance and need health insurance quotes, then contact Insurance Enterprise at 888-350-6605. Speak to a licensed real estate broker and find out more about how you can get an affordable family health insurance plan.