Association Health Plan (AHP)

Association Health Plans (AHPs) are a type of group coverage available to individuals and small companies. The associations often offer health insurance that may be less expensive than an ACA plan on the marketplace. Keep in mind that AHPs are not necessarily ACA-compliant and may have limited benefits. If you are paying $600 a month for an AHP for your family, it is not the same coverage as a marketplace plan that may be two or three times more. On the other hand, associations offer a number of other non-insurance benefits that may help you save money on medical and drug costs. And some insurance is better than no insurance at all.