Disclaimer
The short version of everything worth knowing before you enroll.
Prices are Benefit Airship's published rates
The monthly premiums on this site are Benefit Airship's published rates for each plan and household size. They do not vary by age, sex, or state. They are accurate as of our last check against Benefit Airship's storefront, but Benefit Airship sets them and can change them. The price you pay is the price shown at their checkout, not the price shown here.
Estimated yearly costs are a model, not a quote
Where this site estimates what a plan would cost you over a year, that figure combines the real premium with a model of your likely out-of-pocket spending, using national average prices for each type of care. It is a tool for comparing plans against each other, not a prediction of your bills. Your actual costs depend on which providers you see, what they charge, and what care you end up needing.
Comparisons against your current plan
If you enter what you pay today, any difference shown is arithmetic on the number you supplied against the premium of a Benefit Airship plan. It compares price only. It does not compare what the two plans cover, and a cheaper premium can mean a higher deductible, a narrower network, or weaker prescription coverage. Read the benefits before you switch.
These are group plans, not marketplace plans
The plans described here are group plans arranged through Benefit Airship. They are not plans bought on the ACA marketplace at HealthCare.gov, and buying one is not the same as buying a marketplace plan. Benefit Airship states that its full medical plans meet federal ACA requirements and include the essential health benefits. That is their statement about their own product. Coverage, eligibility, exclusions, and final rates are governed by the controlling plan documents and by Benefit Airship's underwriting.
BASE is not major medical
BASE is a virtual-care plan. It covers video visits with primary care, urgent care, specialists, and mental health. It does not cover in-person visits, hospital stays, or surgery, and its prescription benefit is a discount rather than insurance. It is not a substitute for major medical coverage. The accident and hospital add-ons are supplemental too: they pay fixed amounts toward specific events and do not replace medical coverage.
MVP does not include real prescription coverage
MVP is catastrophic-style coverage. Its prescription benefit is a discount card, not insurance, which means what you spend on medication does not count toward your out-of-pocket maximum. It does not cover specialty medication at all. If you take a brand-name or specialty drug regularly, MVP will usually cost you more over a year than a plan with a higher premium.
The 12-month commitment
The full medical plans and MVP carry a 12-month term. Benefit Airship applies a 24-month waiting period before you can enroll again if you cancel before the term is up. The optional add-ons — dental and vision, accident, and hospital — can be cancelled before the 15th of any month. Understand the term before you enroll; it is the most consequential thing you agree to.
Some plan details are stated inconsistently by Benefit Airship
Where Benefit Airship's own materials disagree with each other, we show the conflict rather than pick a side. As of our last review this affects the network named for the full medical plans, the dental network, and the Silver plan's individual out-of-pocket maximum. Confirm anything that matters to you directly with Benefit Airship before you enroll, especially whether your own doctor or dentist is in-network.
Not medical, legal, or tax advice
Nothing on this site is medical, legal, or tax advice. We are not a licensed insurance agent acting on your behalf, and nothing here is a recommendation that a particular plan is suitable for your circumstances. Talk to a qualified professional about your own situation.
Our relationship with Benefit Airship
Smart Health Benefits is a referral partner. Plans are provided by Benefit Airship, and enrollment and payment happen on Benefit Airship's own site. We may be compensated when someone enrolls through us. We do not underwrite coverage, administer plans, process claims, or hold your premium.