AffordiCare

Overview

AffordiCare is listed here as a guaranteed-issue small-group medical program. Vendor marketing also uses the spelling AffordaCare; the public site is affordacareinsurance.com. This directory uses AffordiCare, the listing name Innov8 Healthcare uses.

The program is GI medical: no census underwriting is required to start a look. The published minimum is 5 enrolled lives. Target buyers are employee-benefits brokers and the small employer groups they place.

Innov8 Healthcare is a distributor. AffordiCare is sold through brokers and general agencies. Confirm current rates, availability, and forms with the writing GA or carrier. Published sheet figures can change.

Key Capabilities

• Guaranteed-issue small-group medical. A broker can start a look without sending a census through underwriting.
• Minimum 5 enrolled lives.
• AffordiCare MVP Select PPO publishes employee-only / employee+spouse / employee+children / family composites of $300 / $445 / $462 / $570. Network: PHCS.
• AffordiCare Premier PPO is Cigna metal. Published employee-only rates start at about $608; Bronze 4.4 is $607.89.
• Gold 2.0 publishes employee-only $777.23, a $1,000 deductible, and $3,500 out-of-pocket.
• Platinum 1.1 publishes employee-only $799.53, a $1,250 deductible, and $1,250 out-of-pocket. That is Platinum 1.1, not Platinum 1.0 (which uses a $250 figure that is not restated here as a current listing).
• Level-funded structure that Innov8 describes as designed to feel fully insured: no extra amount due and no surplus return in the way Innov8 describes the program. Innov8 materials use a 12/18 contract as a program fact.
• Distributed through brokers and GAs, not as employer-direct PEPM software.

Integrations & Ecosystem

Documented network and carrier attachments on the published sheets:

• PHCS for AffordiCare MVP Select PPO.
• Cigna for AffordiCare Premier PPO metal plans.

Champ Plan is a separate medical overlay some groups add alongside AffordiCare medical. Innov8 treats Champ as a second conversation, not the directory headline. This page does not treat Champ as required for the published medical rates above.

A full public list of writing GAs, states, and enrollment platforms was not independently verified for this pass.

Pricing

Pricing is published composite medical rates, not a PEPM SaaS subscription. The figures above are from published AffordiCare plan sheets used by Innov8 Healthcare dated 2026-08-30.

Confirm current rates with the writing GA or carrier before you present them. Sheet figures can change. This page does not add other premiums, deductibles, or savings claims beyond those locked figures.

Notes & Limitations

• Availability should be confirmed with the writing GA or carrier. states_available is National in the same sense as other public-facts entries: a complete public state matrix was not captured here.
• Rate figures are Innov8-held published sheets (2026-08-30), not a live carrier API feed.
• Do not treat vendor marketing claims that were not on those sheets — including guaranteed savings slogans or producer-count claims — as facts on this page.
• Champ Plan is related overlay, not the medical listing and not described here as required.
• Innov8 Healthcare distributes the program. This is a directory card, not a sales or appointment page.

Sources

• https://affordacareinsurance.com
• Published AffordiCare plan sheets used by Innov8 Healthcare (dated 2026-08-30): MVP Select PPO composites; Premier PPO Cigna metal employee-only figures including Bronze 4.4, Gold 2.0, and Platinum 1.1