Individual & Family Plans

ACA • PPO • Supplemental Coverage

We’ve got you covered

At JCM Insurance Solutions, we help individuals and families navigate the often overwhelming world of health insurance. Whether you're looking for affordable ACA plans, PPO networks, or supplemental protection for life’s unexpected moments—we’ve got you covered.

Healthy Person Health Plans – PPO Option

Prefer more freedom to choose your doctors and hospitals, even outside your state? We offer select PPO plans ideal for:

  • Entrepreneurs and 1099 workers

  • Young, healthy individuals who want low-cost, flexible coverage

  • Families who prefer national network access without needing referrals

These plans typically feature:

  • Broad PPO network

  • Competitive monthly premiums

  • Transparent coverage for preventive, emergency, and urgent care

Accident Expense & Critical Illness Plans

When accidents or serious illness strike, they often come with unexpected costs. These supplemental plans provide cash benefits to help pay for:

  • Emergency room visits

  • Broken bones, sprains, stitches

  • Cancer treatment, heart attack or stroke recovery

  • Travel, lodging, or time off work

You choose how to use the money—it’s paid directly to you, not your doctor.

Why Work With JCM Insurance Solutions?

You deserve more than a call center or a confusing website. With JCM Insurance Solutions, you’ll get:

Personalized Plan Matching
We consider your doctors, prescriptions, income, and family size to find the best fit for your needs and budget.

Ongoing Support Year-Round
We don’t disappear after enrollment. We’re here to help with claims issues, coverage questions, and renewals.

Unbiased Guidance
We’re licensed with multiple top-rated insurance carriers, so we work for you—not the insurance company.

Serving individuals and families nationwide with local knowledge and a one-on-one client approach.

ACA Health Plans (Marketplace Coverage)

If you need comprehensive, affordable healthcare—especially with help from subsidies—ACA plans through the Health Insurance Marketplace are a great fit.

  • Coverage for pre-existing conditions

  • Free preventive care (annual check-ups, screenings, vaccines)

  • Pediatric, maternity, and mental health services included

  • Income-based premium subsidies and cost-sharing reductions

Dental & Vision Plans

Your overall health starts with your mouth and eyes—don’t overlook them! We offer stand-alone or bundled options for individuals and families:

Dental Coverage Includes:

  • Cleanings, X-rays, fillings, and root canals

  • Orthodontic and major dental care options

Vision Coverage Includes:

  • Eye exams

  • Glasses and contact lenses

  • Discounts on LASIK with select plans

Hospital Indemnity Insurance

Hospital stays can lead to high out-of-pocket bills—even if you have a major medical plan. Hospital indemnity coverage offers:

  • Fixed cash payouts for hospital admissions, daily stays, and surgeries

  • Protection for high-deductible plans or unexpected hospitalizations

  • Extra financial cushion during recovery