AMAC Health Insurance Plans for Members Under 65

AMAC member benefits include access to health insurance from top rated National Insurance Carriers. AMAC’s dedicated team of experts will assist you in selecting the best plan, at the best price, to meet your specific needs.
Because AMAC has commitments from multiple top rated insurance companies, we are able to deliver more choices and better rates to our members.

Reliable partners for your future

Insurance is serious business. You need protection for years to come and you need a partner you can count on. AMAC consistently provides the best service and a broad array of insurance options to fit your needs. You’ll enjoy a higher level of customer service, and exclusive access to your Personal Insurance Advisor. Whatever your insurance needs, we provide you with a reliable partner in securing your future.

Call 1-888-623-9595

Hours of Operations


9am – 5pm EST


9am – 5pm EST


9am – 5pm EST


9am – 5pm EST


9am – 5pm EST




Basic Information Concerning Individual Health Care


Individual health insurance is exactly what it sounds like – coverage you purchase on your own, directly from an insurance company or insurance agent – as opposed to group insurance, which you typically receive through your employer. If you are 65 or older, you can also purchase individual insurance from private companies to help pay for some of the costs Medicare does not cover. These plans are usually called Medicare Supplement plans and you can read about those in our Medicare section.

There are many reasons someone under the age of 65 might need to purchase their own health insurance. Your employer might not provide health coverage, or you might be an early retiree, self-employed, or transitioning from COBRA. Individual Major Medical Health Insurance is available to help protect you and your family against health care costs and provides you access to care. You pay the entire premium each month; no employer makes any contributions. It is important to know that coverage is not guaranteed and the limitations around eligibility may vary.


A Fee-for-Service Insurance policy (also called indemnity insurance) is a traditional kind of health insurance. It partially pays for each medical service you get, such as doctor visits or hospital stays. You’re responsible for the remainder of the cost. The insurer calculates the amount they cover in one of two ways – by covering a percentage of the approved amount for the service (insurers maintain a list of what they think each service should cost, which can differ from what they actually cost), or a fixed amount. In the case of a fixed amount (also known as a fixed cash benefit), the insurer covers a fixed amount per service – $50 for a doctor visit, for example- even if the medical service costs you more.

One advantage of fee-for-service plans is that you can go to any doctor or hospital you choose. However, you usually pay a higher monthly cost for your medical care than you would as part of a managed care plan.


It’s common to receive health insurance through a managed care plan, such as a Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO).

  • In managed care plans, health insurance companies contract with doctors and hospitals to provide health care to its members. These doctors and hospitals make up the plan’s network.
  • In managed care plans, you may be limited to the doctors and hospitals that are part of the plan’s network. Some plans, like PPOs, allow you to use doctors and hospitals outside the plan network, but you probably pay more.
  • In HMOs, your visits to the doctor are pre-paid by the plan and you’re only responsible for a small copayment each time you visit the doctor.


These plans have an annual open enrollment period that allows people to join the plan or make changes to their existing plan, regardless of medical history. The open enrollment period for these plans may vary by state.


Many professional, community and religious organizations offer their members health insurance coverage at group rates. If you are a member of any trade or professional association, ask if it offers health insurance coverage. This option may offer lower premiums than plans you purchase directly from a private insurer, but check the coverage and other out-of-pocket costs carefully to truly compare.


When purchasing something as important as health insurance, it’s a good idea to create a list of questions to ask about each of the choices available to you. Here are a few things to consider:


This is one of the first questions many people ask when looking at health plan options. The answer to the question depends on which type of individual health insurance you choose. If you select a Health Maintenance Organization (HMO), you are required to receive care from within the plan’s network, so check to see if your doctor is in that plan’s network. If your doctor is a specialist, most HMO plans require that you first see a primary care physician for a referral.

Like HMOs, Preferred Provider Organization (PPO) plans have provider networks, but unlike HMOs, PPOs also let you visit any doctor or hospital you choose, without a referral. Keep in mind that you’ll pay less out of your own pocket if you see doctors and hospitals in the insurer’s participating network, but if any of your doctors are outside the network you can still see them under a PPO plan. It’s helpful to choose an insurer with a large, nationwide network of doctors and hospitals, since it increases the chances that your doctor is in the network.


Many insurance companies offer a choice of major medical plans, some with prescription coverage and some without. Comprehensive individual health insurance usually covers your prescriptions, with either a copay, or after a deductible.  Be sure to check how a plan covers preferred, non-preferred, and generic prescription drugs, because plan details may differ. If you have a regular list of prescriptions, you may want to do some research into the plan’s formulary. A formulary is a list of drugs covered by the plan, and should tell you what your cost for each will be.


Some individual health insurance allows you to add a dependent spouse and children or grandchildren to your policy – even if no other family member enrolls. Unlike employer-based plans, some plans require each family member to undergo medical underwriting, while others do not.  Also, some plans may offer “Child Only” coverage. Be sure to ask about eligibility requirements, which can include criteria such as age, marital status, adoption status, legal guardianship or family relationship.


Before you purchase anything, speak to one of Amacs licensed insurance agents to compare individual health insurance plans available in your area. A first step could be to decide how much you can afford to pay. With a figure in mind, you can look for health insurance that will give you the best health coverage for you and your family at that price.


When researching individual health insurance, you should be realistic about the costs balanced against the importance of good coverage. Think of health insurance as an investment in your health and your family’s health.

Premium rates for individual policies vary widely, depending on state rules, the type of coverage included, and the applicant’s age and health. 

When you apply, an insurance company will look at your health history, the number of medications you take, and other health aspects to determine your eligibility for coverage.

One way to keep premiums manageable is to increase your deductible. Another is to look for a plan that just covers the basics – medical, hospital, and prescription drugs. Some benefits, such as coverage for dental, vision, and hearing care, may be more important to you than others, and you’ll want to keep them even if it means a higher premium. In many cases, you can pick and choose.


There are types of insurance policies that should not be mistaken for comprehensive health insurance. Specific Disease policies, such as cancer policies, pay only for care of a specific disease. Hospital Indemnity policies pay you a set amount of money for each day you are in the hospital. These policies may sound good but do not really cover all your health care costs. Research these kinds of plans very carefully to determine exactly what coverage you’ll be getting.

That is why AMAC is providing its members with access to your exclusive Personal Insurance Advisor. Individual policies accomplish the important goal of protecting you and your family against the uncertainty of big medical bills. Call AMAC today to find out how we can help!

Join or Renew Today!

Save up to 25% by purchasing multi-year memberships! All Membership packages include your spouse for FREE!



Fast & Easy !



You save $6



Save 25%



1 Payment

You can also print and mail your membership application. Download the application
Post ID: 530498
This [AMAC] magazine is SUPERB! So inspiring to see true journalism!
Post ID: 530497
AMAC represents my views infinitely better than that other senior organization. Articles are informative and honest.
Post ID: 530495
AMAC is straight forward reporting. I dropped AARP years ago for the leftist reporting and Obamacare. AMAC is fighting for us not the government. For that, I'm in. Thank you for being a true American for the people.
Post ID: 530489
Good luck AMAC, may you continue to grow with increased membership to further enhance your good ethics, your downright beliefs in America and your everlasting desire to make a better life for us seniors
Post ID: 530486
I received my first AMAC magazine and I absolutely love it. Keep up the great work!
Post ID: 530484
I am a new member to AMAC, and I find their newsletter to be very enlightening. The discounts they offer are great. I switched from AARP to AMAC because I feel AMAC represents my conservative views better. Thanks, AMAC.
Post ID: 530482
Have been a member of AARP for several years. About 6 years ago, they sprouted "Left Wings" promoting Obama as the savior. Discovered AMAC. Thank GOD! They present the real, undistorted picture of the issues affecting older Americans. Thank you, AMAC
Post ID: 530481
I turn to AMAC first for TRUE information about the world we live in. AMAC is trustworthy, helpful, always on top of every situation, gives all the details-not bits & pieces, and AMAC allows Americans an honest vote in the polls they print. I love AMERICA. I'm happy to have an honest source of information provided to me thru AMAC.
Post ID: 530479
I am very happy with AMAC. It is so great to have an alternative to the AARP monopoly. AARP does not represent the best interest of Senior Citizens in my opinion. They are only big because there was no other alternative and have long left us behind. AMAC is now my place.
Post ID: 530478
AMAC is providing a much-needed conservative option for seniors than AARP which supports increasingly progressive and liberal agendas that the majority of seniors do not agree with. Unfortunately, many of the seniors that I know only look at the discounts, many of which are available with AMAC as well.
Post ID: 530476
I really appreciate the [AMAC] magazine, the articles this month were exceptional!
Post ID: 530474
I love AMAC! They are the organization that really is helping seniors!! AARP is not!! Monthly newsletter is a very good read always pertaining to something relevant to Americans! Keep up the excellent work. I’m a lifelong member!
Post ID: 530473
We really enjoy our AMAC membership and their varied & interesting publications, email updates and great senior perks. We "dumped" our AARP commitments several years ago. What a pleasant relief to rid ourselves from their obvious & extremely "left" leading opinions. AMAC is a breath of fresh air! If you join you won't be disappointed. Guaranteed.
Post ID: 530472
Wonderful articles that are so well written. I wish it could be made into a story/booklet for all Americans to read, students as well! Thank you all for what you do.
Post ID: 530471
AMAC is my go-to for a conservative viewpoint in this age of liberal media bias. Thanks, AMAC! We love everything you do...great job!
Post ID: 530470
AMAC - Outstanding organization that deserves support not only from conservatives but all Americans who want Freedom as established by our Founding Fathers.
Post ID: 530469
Really love your magazine and I love what you do! Keep it coming! God Bless.
Post ID: 530465
Excellent company, great values! The advocacy work they do is priceless, and they offer so many money saving benefits!
Post ID: 530464
Concise information. Personalized contact using email with Rusty, a social security 'guru, who answered all my questions which helped me make educated decisions regarding my social security options. Varied and interesting articles.
Post ID: 530463
This [AMAC Magazine] is the best magazine I have ever read! It has the best articles; I cannot find anything in it to argue about.
Post ID: 530459
This is the senior group for conservatives, Christians and all who care about preserving freedom, not just about saving themselves a little money. Put your actions behind your values and be a member of AMAC. We have enjoyed belonging to this group.

Stay informed! Subscribe to our Daily Newsletter.

"*" indicates required fields