Stacking Private Plan Options to Create Coverage That Works for Your Unique Situation
Why rely on one expensive policy when strategic layering of coverage can provide better protection at lower cost? Here's how the stacking strategy works.
Traditional health insurance thinking says: get one comprehensive policy and you're covered. But what if there's a smarter approach? The stacking strategy combines multiple specialized policies to create superior coverage at lower total cost.
The Foundation: Private Health Insurance
Start with a private, underwritten health insurance policy. Because it's priced on your actual health status (not community rated like ACA plans), healthy individuals often save 40-60% on premiums. This forms your primary layer of protection.
Layer Two: Critical Illness Coverage
Add a critical illness policy that pays a lump sum if you're diagnosed with cancer, heart attack, stroke, or other serious conditions. This cash payment—often $25,000 to $100,000—covers deductibles, lost income, and expenses your health insurance won't touch.
Layer Three: Accident Coverage
Accident policies pay for specific injuries and treatments resulting from accidents. Emergency room visit after a fall? The accident policy pays its benefit directly to you, regardless of what your primary insurance covers.
The Math Works
A healthy 35-year-old might pay $650/month for an ACA silver plan. The stacking approach: $250/month private health + $50/month critical illness + $30/month accident = $330/month total. That's $320/month saved while maintaining comprehensive protection.
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