800-455-5047

The ACA-Compliant Health Solution Agents Actually Sell

Agents who add Choice Health Options to their portfolio solve one of the biggest problems in health insurance today: plans clients hesitate to use.

Add to Portfolio 
Learn More

The ACA-Compliant Health Solution Agents Actually Use

Agents who add Choice Health Options to their portfolio solve one of the biggest problems in health insurance today: plans clients hesitate to use.

Add to Portfolio Free
Learn More
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Trusted by Agents and Agencies Coast to Coast.

Join Our Partners Already Ahead of the Curve

Forward-thinking agencies trust CHO to help their agents deliver more value and better outcomes to every client.

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"A True Game Changer for My Clients"

"I’ve specialized in employee benefits for over 10 years, and these medical plans have been a valuable asset for my agency and clients. The Choice Health plans let my clients offer affordable, quality benefits that truly meet their needs."

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Cory Matt

CEO, The Livan Agency

Built for the Reality Agents Deal With Every Day

Instead of forcing clients to spend thousands before coverage kicks in, CHO focuses on what people actually use most: outpatient care with clear, predictable copays.

When coverage feels usable, clients stay enrolled and stay satisfied. CHO Solves:

❌ Excessive Out-of-Pocket Costs

Clients often face massive deductibles before coverage starts, discouraging them from using care.

❌ Confusing Networks & Benefits

Complex plan rules leave clients frustrated and unsure how to access their coverage.

❌ Coverage Clients Don’t Use

Plans that are technically available but practically inaccessible lead clients to delay care.

Coverage Clients Will Actually Use

Why Choice Health Options Works for Agents

Low, predictable copays make it easier for members to seek care instead of delaying or avoiding it.

▶ No-Cost Preventive Care

Covered at 100% under ACA guidelines — no surprises, no friction.

▶ Guaranteed Issue

No pre-existing condition exclusions. Easier conversations. Faster enrollments.

▶ Available In All 50 States

One solution that works wherever your clients live or move.

▶ Composite Rates

Not age-rated. Not ZIP-code rated. Simple, stable pricing agents can explain.

▶ ACA Mandate Compliant

Meets individual mandate requirements in CA, NJ, RI, and DC.

▶ Optional Dental & Vision

Delta Dental and VSP Vision add value, retention, and revenue without complexity.

Designed to Pair for Smarter Coverage

Choice Health Options works best as a core outpatient plan, pairing cleanly with:

Short-term medical for catastrophic protection

Indemnity plans for hospital & surgical coverage

Accident, critical illness & specified disease protection

This approach gives clients:

Coverage your clients will actually use

Protection when it matters most for peace of mind

Flexible coverage without high deductibles

And it gives agents more control over outcomes.

How Agents Use CHO

Simple to Position. Easy to Sell.

CHO gives you a clear, step-by-step way to help clients get coverage they’ll actually use — while positioning yourself as a trusted advisor and boosting retention, satisfaction, and referrals.

▶ Spot Pain Points

Identify clients frustrated with

traditional ACA plans

▶ Offer a Solution

Position CHO as the usable,

compliant alternative

▶ Layer Coverage

Layer protection intelligently

and protect your clients

▶ Drive Results

Improve satisfaction, retention,

and referrals

The Bottom Line for Agents

When clients can afford to use their coverage, everything improves.

✔ Higher retention      ✔ Fewer complaints    ✔ Better client experience   

✔ More long-term value per household

Choice Health Options delivers usability, compliance, and flexibility — making it a smart, durable addition to any agent’s portfolio.

Meet Your Regional Leaders

Our regional directors help agents onboard CHO, answer questions, and provide the resources needed to succeed. With decades of experience in health coverage and agent support, they make it easy for you to add CHO to your portfolio.

Call our regional directors today to onboard and start positioning CHO for your clients. 800-455-5047

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Cheryl Niesz

Regional Leader

Broker since 2019 with strong marketing expertise, focused on supporting agents and agencies with clear guidance and business-building support.

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Deborah Allen

Regional Leader

Health insurance professional who thrives in collaborative environments and enjoys working closely with agents and agencies to elevate service, and support business growth.

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Stephanie Creahan

Regional Leader

Strong background in Medicare. Dedicated to fostering autonomy, respect, and collaboration, ensuring clients and agency’s alike are supported and fully informed.

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