Three questions. One plan that actually fits.
USA Health offers a wide range of individual coverage, and they are genuinely different from one another. Some are full major medical. Some cover everyday care beautifully but pay nothing toward a hospital stay. This finder asks what you actually need, then shows you the plan that matches, with the real monthly rate and an honest note about what it does not cover.
Looking for major medical? Start with the Health Plan Finder →
What are you trying to protect against?
Be honest here, it changes the answer completely.
Not sure? Book a free call and we will sort it out with you in a few minutes.
How old is the primary member?
Rates are set by the oldest person on the plan.
How much would you cover yourself before the plan takes over?
A lower deductible means a higher monthly premium. Pick the trade you'd rather make.
Which of these sounds most like you?
Dental & vision live in their own finder now
Every dental, vision and hearing plan (including the two USA Health favorites below) side by side with state filters, honest what-it-does-not notes, and Add to My Plan on every card.
Sparkle Care Dental 4500
$69/mo member · $199 family. A $4,500 yearly maximum, cleanings covered day one, over 65 welcome.
See the full summary →EMA Focus Vision · VSP
$23.95/mo member · $47.75 whole family. Guaranteed issue on the VSP network.
See the full summary →Browse every plan
Dental, vision and hearing plans from seven carriers, narrowed step by step, just like the health finder.
Open the dental & vision finder →Plans that pay YOU: pick your what-if
These now live in the supplemental finder, where every plan carries a plain-English tagline, an "in real life" story, state availability, and an honest note on what it does not do.
An accident
Cash paid per injury: accident plans that pay you directly, on top of any health plan.
Find my accident plan →A serious diagnosis
Lump-sum cash on first diagnosis: Critical Illness GI and the other diagnosis plans on the shelf.
Find my critical illness plan →A hospital stay
Cash per admission and per day: hospital plans that pay you, not the hospital.
Find my hospital plan →All of it, bundled
Several protections in one enrollment, see what is on the shelf.
See the bundles →Build a protection stack
Combine multiple insurance products to address different healthcare needs: everyday care, accident cash and diagnosis lump sums, and one event can trigger several payouts.
Open the stack builder →The yearly-checkup plan
SBA MEC is USA Health's preventive-only medical plan. In plain English: it pays for the care that keeps you healthy: your yearly checkup, screenings, vaccines and preventive prescriptions, at 100%, with no deductible and nothing due at the visit. Everyone is accepted, and it officially counts as health coverage under the ACA. It comes in three sizes, and it pairs with any protection above.
SBA MEC: three plan options
Available in 40 states, not in AK, CT, MT, NM, NY, ND, RI, SD, VT, WV or WY (verified 8/13/26).
Request details →Plan availability, benefits, and rates vary by state and are subject to each carrier's terms. Carriers and networks change constantly. Always verify the latest details with us.
The plans on this page are not the whole shelf.
Some carriers ask us to present their products one-on-one instead of on a website, and new ones join the lineup all the time. An advisor can pull up every product that could fit your needs, including the great options that are not listed here.
Rather talk it through?
We will walk you through what each of these actually covers, in plain English. No pressure, no fee.
*Plans, benefits, rates, and provider networks can change at any time. Speaking with your agent is necessary to verify the most up-to-date information before making any decision.