The individual mandate under the Affordable Care Act requires individuals to have minimum essential health coverage or pay a shared responsibility payment based on income. Specified disease and accident plans are exempt from ACA mandates and are not considered minimum essential coverage. If an individual does not receive an exemption or have minimum essential coverage for 9 months of the year, including through an employer plan, grandfathered plan, or ACA plan, they will owe the shared responsibility payment even if covered by a PremierChoice plan.

1. The individual mandate under the Patient Protection & Affordable Care Act (“ACA”) generally requires individuals to maintain “minimum essential
coverage” in 2014 and beyond, or be subject to payment of an annual “shared responsibility payment”, the amount of which is based, in part, upon
the individual’s household income each year. The ACA’s “shared responsibility payment” has also been referred to from time to time as a tax and as
a penalty, and is payable to the federal government. Specified Disease and Accident plans are exempt from the coverage and rating mandates of
the ACA, do not provide comprehensive or major medical benefits, and therefore are not considered “minimum essential coverage” under the ACA.
If an individual (a) does not receive an ACA exemption annually from the federal government for the individual mandate, or (b) does not maintain
“minimum essential coverage” under the ACA for 9 or more consecutive months during each year, (including coverage under one of the following
types of plans (i) an employer sponsored group health plan, (ii) a grandfathered health plan, (iii) a non-grandfathered health plan for which the
government has granted a waiver of the individual mandate, or (iv) an ACA essential health benefits plan), he will be subject to the ACA’s annual
“shared responsibility payment”, even if covered under one of the PremierChoice plans. For additional information on the individual mandate,
“sharedresponsibilitypayment”,exemptionsfromthemandateandothermattersconcerningtheACA,pleasevisitwww.healthcare.gov,thefederal
government’s website.
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Insurance Underwritten by Freedom Life Insurance Company of America
As a member of the American Independent Business Coalition, You have the right to apply for
coverage under one of Freedom Life Insurance Company of America’s Medical Plans issued to
the Association, including the PremierChoice Sickness plans and the Accident plans. Each plan
has three levels of coverage to choose from, which are designed to meet Your individual needs
and budget. All coverage is subject to underwriting review and approval before it is issued.
If you already have essential health benefits coverage, PremierChoice Sickness and Accident plans
can supplement the coverage you already have. If not, the PremierChoice Sickness plans can give
you the ability to increase your coverage if and when you decide your circumstance requires
it with the Optional Guaranteed Short-Term Insurability Rider. While the PremierChoice
plan and the Optional Guaranteed Short‑Term Insurability Rider are in full force and effect, You
have the right to purchase Our PremierMed Short-Term Medical-Surgical Expense plan with NO
ADDITIONAL UNDERWRITING.
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2. The PremierChoice Difference
*The Premium Rate Guarantee Period may not be available in all states or on all products. The Premium Rate Guarantee Period does not apply to any rate change due to:
change of address; addition of Insureds; change of benefits or options; change of Mode Of Premium Payment; group policy coverage, benefits, limitation or exclusion
changes; or any future requirements of any federal or state law.
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*
• In the event You need additional protection, the purchase of
PremierChoice Specified Disease Sickness (“Sickness”) and the Optional
Guaranteed Short-Term Insurability Rider provides You with a one-
time right to purchase Our PremierMed Short Term Medical-Surgical
Expense plan on a guaranteed issued basis, without regard to the
Insured’s health status or medical conditions, and without any medical
underwriting coverage.
• The Premier Choice Sickness and Accident plans pay in addition to any
coverage You have in force - even an essential health benefits plan.
• First Dollar Benefits! The Premier Choice Sickness and Accident plans
allow You to receive first dollar payments for expenses incurred up to a
benefit maximum for covered healthcare services. And with the special
doctor office visit “rollover” feature in each Sickness plan, if You don’t
use Your benefits, You don’t lose them.
• No Calendar Year Deductible to Satisfy! PremierChoice Sickness and
Accident plans supplement an essential health benefits plan under which
You must first satisfy a deductible every year before You are eligible to
receive benefit payments.
• The PremierChoice Sickness plans and Accident plans are insurance
plans which provide benefits on an expense incurred basis up to a
maximum daily/monthly/visit/prescription/annual amount for covered
services and are neither “essential health benefits plans” under the ACA,
traditional major medical insurance plans, nor Workers compensation
plans under state law. PremierChoice Sickness plans and Accident plans
are “excepted benefit plans” under the ACA, and are not considered
“minimum essential coverage”.
May not be available in all states. Exclusions & limitations apply. Different plan provisions may apply in certain
states. See your brochure for a brief description of Benefits available.
Why Choose