ACA Alternative Plan: LifeX

The short-term medical landscape is changing quickly, with fewer ACA alternatives available. LifeX, with an A+ rating, was introduced in May 2026 and is an ideal fit for small groups or individuals with any form of 1099 income.

• National PPO Networks of Cigna, Anthem, or PHCS.
• 12 plans to choose from
• Multiple robust ACA compliant “Metal”-style plans with Unlimited Maximum Lifetime Benefits
• Covers 10 essential health benefits, health and wellness programs available on member portal.
• 24/7 telemedicine for Primary Care, Urgent Care, and Mental Health support.
• Available in most states, including NY and NJ.
• Simplified underwriting.
• Regulated by the Department of Labor, not State Insurance Departments.

Click on the links below for a summary of benefits for each plan offered:

• LifeX VL 250
• LifeX VL 500
• LifeX VL 750
• LifeX VL 1000
• LifeX VL 1500
• LifeX MM 1000
• LifeX MM 2500
• LifeX MM 3500
• LifeX MM 4900
• LifeX MM 7250
• LifeX 3500 HSA
• LifeX 5000 HSA