We Believe That One of the Most Important Factors of Health Insurance is Peace of Mind

A Better Business Bureau Company

Michael Dunbar Insurance Inc BBB Business Review

19 Years of Qualified Experience

Michael Dunbar Insurance is qualified to provide professional guidance to individuals, families, and business owners regarding the increasingly complex topic of health insurance. We were founded in 1999 and specialize in both ACA qualified major medical health insurance plans as well as the lower cost alternatives to “Obamacare” (which are now available year-round). We make it our mission to educate our clients in a sincere and straightforward manner so they can enhance their protection, savings, and peace of mind.

Michael Dunbar Insurance specifically works with the insurances that directly affects people: health insurance, dental/vision, supplemental benefits, life insurance, Medicare supplements & Medicare Advantage Plans, and retirement income strategies. We are proven specialists in these areas, and are available to aid those in need of professional guidance.

“Choosing a health insurance plan can feel like throwing darts at a dart board with a blindfold on. I can help you see what you are aiming for, and make sure you hit the bullseye.”

  • – Michael Dunbar

Learn more about your options and save money

ACA Qualified Plans

Open Enrollment November 1- December 15 | Special Enrollment Available Year-Round

Approval is guaranteed regardless of health

No exclusions for pre-existing conditions

Unlimited lifetime benefits

Tax credits/subsidies may be available (please call for details)

Lower Cost Alternatives* to "Obamacare" |

Available Year-round

Short Term Plans

  • Looking for a lower cost health plan?
  • Self-employed
  • Between jobs or have been laid off
  • Waiting for employer benefits
  • Part-time or temporary employee
  • Students and recent graduates
  • Affordable plan for anyone without insurance

*Does not qualify as the minimum essential coverage required by The Affordable Care Act (ACA)

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Indemnity Plans

First dollar coverage for doctor visits, prescriptions, accidents, and more. These plans pay 200% to 300% compared to Medicare Physician Fee Schedules!

  • $100,000, $250,000, and $1,000,000 calendar year limits plans available.

  • PHCS is the preferred PPO network. (http://www.phcs.com)

Christian Share Plans

An ACA exempt alternative to “Obamacare”

  • Pre-existing condition and no access to a major medical plan? Check out “Aliera Care Gold” – provides up to $20,000 of benefits for total medical expenses incurrsed for pre-existing conditions per year.

  • For detailed benefits and/or to “enroll” for coverage, click: (www.alierahealth.com/md)

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