Affordable Choice

The Right Plan for Changing Times

Individual and Family Health Insurance

Affordable Choice from ManhattanLife is a Hospital Indemnity plan that pays directly to you. With no deductible and affordable premium, Affordable Choice offers you coverage for many of your healthcare needs. View some of the benefits you receive below, and decide if Affordable Choice is the right plan for you.

Get the Benefits You Need

Choose the Plan that Works for You


Starts at $87/mo

$2k per hospital day

$100,000 calendar year limit

Additional $1k your first hospital day of the year

$50 per doctor visit (3 per year)

$2 million lifetime benefit

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Starts at $110/mo

$3k per hospital day

$200,000 calendar year limit

Additional $2k your first hospital day of the year

$75 per doctor visit (4 per year)

$2 million lifetime benefit

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Ages 18 to 64 can apply at any time - No enrollment periods

Why choose Hospital Indemnity?

Many Americans struggle to keep up with rising healthcare costs. Four in ten adults with health insurance claim they have trouble affording their deductible, and around a third claim they have difficulty paying their premiums.[1] Affordable Choice requires no deductibles, affordable premiums, and pays benefits directly to you for things like hospital stays, surgeries, prescription drugs, and regular doctor visits. Learn more about our Classic and Elite plans to see if Affordable Choice is the right fit for your insurance needs.

Save with the Multiplan Network, or don't - it's up to you!

You may use any doctor or hospital of your choice; however, our Affordable Choice plans also support the use of the Multiplan network. Multiplan is one of the largest networks in the healthcare industry, and contracts with over 770,000 respected practitioners, 5,000 hospitals, and 70,000 ancillary care facilities. So, while you may choose any doctors or hospitals outside the network, you are eligible to receive discounts on your inpatient and outpatient hospital charges when using care providers within the MultiPlan network. Discounts are not guaranteed.


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Fri 8:00 AM to 2:00 PM CST

Affordable Choice is underwritten by ManhattanLife Assurance Company of America. This is a supplemental health insurance policy and does not constitute comprehensive health insurance coverage (often referred to as “major medical coverage”). Therefore, this product does not satisfy the requirement of Minimum Essential Coverage under the Federal Patient Protection and Affordable Care Act and may result in an additional payment with your taxes. For additional information, you can contact us, refer to the official federal website at, or call their toll-free number at 800-318-2596.

Policy Numbers: C-AFF, C-AFF-RX, AFFPS, AFF-SS-1 and AFF-SS-2 and state variations thereof. Policy availability and benefits may vary by state.

All/Other insurance plans advertised through this website may be underwritten by ManhattanLife Assurance Company of America, Family Life Insurance Company, The Manhattan Life Insurance Company or Western United Life Assurance Company. (“The companies”) The purpose of this communication is the solicitation of insurance. Contact may be made by the Companies listed or one of our agents. Plan information contained on this site is designed to give a brief description of the policy(s). The exact terms, exclusions, limitations, definitions, conditions and qualifications will be found in the policy delivered to you. The terms of the policy govern. [All insurance policies require submission of application and issuance of a policy(s).] Some products may not be available in all jurisdictions.