With Affordable Care Act (ACA) premiums on the rise again, many individuals and families are being priced out of the market. But here’s the good news: ManhattanLife is perfectly positioned to fill that gap. And the strategy is simple: the power of stacking, using Affordable Choice as the foundation.

The Problem with ACA Rate Hikes

We all know ACA plans serve an important purpose, but the reality is clear — the rate increases are pushing many consumers past their financial comfort zone. For people who make just a little too much to qualify for subsidies, the cost of coverage can feel impossible.

So, the question becomes: When the ACA becomes unfeasible, why not build a smarter, more affordable package of protection with ManhattanLife.

The Foundation: Affordable Choice

The Affordable Choice provides essential coverage for hospital visits and stays, urgent care, ER visits, surgeries, ambulance services and much more! It’s the cornerstone of a cost-effective approach. The Affordable Choice keeps coverage accessible and sets the stage for building out a truly comprehensive protection plan.

The Power of Stacking

Now here’s where things get exciting. By stacking Affordable Choice with our other supplemental products, agents can build a comprehensive package of benefits that delivers the kind of protection people expect from a full health plan, but at a fraction of the cost. Let’s take a look at some products that pair wonderfully with Affordable Choice.

• Cancer, Heart Attack & Stroke: These conditions are among the most financially devastating events a person can face. Our coverage provides lump-sum benefits that help people manage the costs and keep their lives on track.
• Dental, Vision & Hearing (DVH): Many traditional plans overlook these everyday needs. By adding DVH, policyholders get coverage for the care they use most frequently.
• Out-of-Pocket (GAP): This plan helps bridge the financial exposure that even the best policies leave behind. It’s an excellent way to reduce the “what if” anxiety of unexpected bills.
• Accident Coverage: Life happens. From broken bones to ER visits after slips and falls, this policy adds another important layer of financial protection.

Each of these products is valuable on its own, but when you combine them, when you stack them on top of Affordable Choice, you create a package that covers hospital stays, urgent care, surgeries, ambulance rides, cancer, heart attack, stroke, dental, vision, hearing, out-of-pocket costs and accidents.

It’s coverage that’s flexible, affordable and powerful.

The Value Proposition

Here’s the bottom line: ManhattanLife’s stacking solutions give consumers real protection without the burden of runaway ACA premiums. Agents have a tremendous opportunity right now to meet people where they are — frustrated by rising costs, but still in need of coverage.

By positioning Affordable Choice as the foundation and building around it with our supplemental products, you can help clients feel secure, protected and empowered.

Key Message

So, the next time someone asks how to deal with rising ACA premiums, remember this: Who needs the ACA when you’ve got ManhattanLife stacking solutions?

Affordable Choice is the foundation, and our supplemental products are the building blocks. Together, they create a smarter, more affordable alternative.

ManhattanLife. Standing by You. Since 1850.