As ACA Costs Rise, Affordable Alternatives Matter More Than Ever

Open enrollment season is here – but for many Americans, this year feels different. Changes tied to the One Big Beautiful Bill Act are reshaping the Affordable Care Act (ACA) and putting more financial pressure on families, students, and small business owners.

With premium tax credits set to shrink and out-of-pocket costs on the rise, even those who keep their ACA coverage may find it harder to afford the care they need. The good news? You don’t have to face those costs alone.

A Smarter Way to Manage Health Costs

When every doctor visit, prescription refill, or dental appointment starts to add up, Alliance Health offers a practical, affordable way to fill the gaps and reduce what you spend out of pocket.

Alliance Health isn’t health insurance—it’s a membership that delivers real savings on the care you use most, helping you take control of rising medical expenses.

1. 24/7 Doctor Access — Anytime, Anywhere

Need medical advice but want to skip the long waits and expensive urgent-care bills? With 24/7 Telemedicine included in your Alliance Health membership, you can connect with a licensed doctor by phone or video anytime—day or night.

• No scheduling hassles.
  
• No waiting rooms.
  
• A fraction of the cost of an in-person visit.
  

When ACA deductibles keep getting higher, having an affordable, always-available option like this can make a big difference.

2. Prescription Discounts That Keep Costs Manageable

As drug prices continue to climb, prescription savings have become more important than ever. Through Alliance Health, members can access up to 60% off most medications at thousands of pharmacies nationwide¹.

Whether you’re managing a chronic condition or just need antibiotics after a telehealth visit, this Prescription Discount benefit helps ensure you never have to choose between your health and your wallet.

The Rx benefit in the Health package is a discount mail-order benefit only.

THE BENEFIT:

Your membership includes a mail-order discount program through CVS Caremark®. Unlike insurance, there are:

• No deductibles

• No annual maximums

• No claim forms to file

3. Affordable Mental Health Consultations

The stress of managing healthcare costs can take a toll on mental well-being. Alliance Health includes access to discounted mental health counseling, giving members a private, affordable way to speak with licensed professionals.

Whether you’re coping with stress, anxiety, or other challenges, support is just a call away—and it costs less than traditional therapy rates.

4. Discount Dental Care, Powered by Careington

Oral health shouldn’t be a luxury. Alliance Health includes Discount Dental Care through Careington’s national provider network. Members save on cleanings, exams, fillings, and more—all without insurance paperwork or hidden fees.

This is especially valuable as ACA plans continue to offer limited dental coverage for adults.

Why These Benefits Matter Now

Under the new ACA rules:

• Premiums are expected to rise for many Marketplace plans.
  
• Subsidies may no longer fully offset monthly costs.
  
• Deductibles and copays could climb even higher.
  

These shifts mean millions of Americans will be paying more before their insurance coverage even begins to help. That’s why supplemental protection through Alliance Health is more valuable than ever—it helps bridge the affordability gap with savings you can use right away.

The Bottom Line

The healthcare landscape is shifting fast—and for many people, that shift means higher monthly premiums, steeper deductibles, and fewer subsidies. As ACA plans grow more expensive under the new federal rules, the reality is that having insurance doesn’t always mean affordable access to care.

That’s where Alliance Health makes a real difference. It’s designed to help you take control of everyday healthcare costs that insurance doesn’t fully cover.

With Alliance Health, you’re not paying thousands in premiums for care you rarely use—you’re paying a fraction of that to save on the services you rely on most:

• See a doctor anytime through 24/7 telemedicine, avoiding urgent-care or ER bills that can run hundreds of dollars.
  
• Save on prescriptions with discounts up to 60% off retail prices, available at most major pharmacy chains nationwide.
  
• Keep up with preventive care through affordable dental visits with Careington’s national network of providers.
  
• Access affordable mental health support when you need it—because emotional well-being shouldn’t be priced out of reach.
  

These benefits add up to real, everyday savings that help members stay healthy and financially stable.

Alliance Health is a practical solution for:

• Individuals and families who can’t afford higher ACA premiums.
  
• Students and gig workers who don’t qualify for employer coverage.
  
• Small business owners seeking low-cost benefit options for employees.
  
• Anyone looking to cut costs without cutting care.
  

In a time when even insured Americans are feeling the squeeze of rising healthcare costs, Alliance Health offers a simple, reliable way to lighten the financial load—helping you focus on your well-being, not your bills. Take charge of your health and your budget today: Explore Alliance Health Membership Benefits