I’d like to start a candid and professional dialogue about these plans. I’ve heard negative reviews of hospital indemnity plans. In the past, I’ve even shared some of these opinions. But, in this new market climate, I am now revisiting these types of plans as a viable sales options for a certain market segment. Lately I have been hearing a lot about hospital indemnity plans for a few different scenarios. 1. Let’s assume we have a NSNP (non-subsidized – non-penalized) client who needs something but cannot afford an ACA plan (sure, there are usually short term medical plans, but this would provide “permanent” coverage that could include pre-ex after the first year depending on the carrier). 2. Out of state college student who is on their parent’s out of state plan – for example, family lives in Chicago insured by BCBS of ILL. Child goes to school in Texas. Sure they have Emergency coverage, but do not have access to non-emergency services due to a limited network HMO in Illinois. 3. Clients who want to offset their high OOP’s associated with an ACA or medishare plan. In some cases, I’ve seen where a hospital indemnity plan can pay the deductible and coinsurance of a bronze plan and even provide additional cash for ongoing living expenses. What are the downsides of these plans in these situations, opinion or fact, which you can share with me?