Not everyone needs the same kind of insurance.

Melrose Insurance Partners helps individuals, families, self-employed workers, small business owners, gig workers, and early retirees compare private-market coverage options across multiple categories.

Major medical coverage is designed for individuals and families who want comprehensive health insurance protection.

This may be a fit if you are not using employer coverage and want broader protection for doctor visits, hospital care, prescriptions, and larger medical expenses.

Limited benefit plans can be a strong option for healthy individuals who do not visit the doctor often but still want meaningful protection.

These plans may offer lower monthly premiums while helping cover common healthcare needs.

Short-term medical plans can help cover temporary gaps in coverage.

They may be useful during job changes, early retirement, waiting periods, or other life transitions where you need protection for a limited period.

Hospital indemnity plans pay cash benefits directly to you when you are hospitalized.

The money can help with deductibles, bills, transportation, lost income, or everyday expenses while you recover.

Accident plans provide added protection against unexpected injury costs.

They are often affordable and can work well as an add-on for active individuals, families, and workers without strong employer benefits.

Supplemental and gap coverage is designed to strengthen your existing plan and reduce what you may owe out of pocket.

Some options may help eliminate your entire deductible up to $10,000, starting as low as $15 per month.

Dental and vision plans can be added to other coverage or purchased separately.

These plans are useful for individuals, families, and workers who do not receive dental or vision benefits through an employer.