Is Unified National Health/Multiplan a legitimate major Health Insurance provider? 
NO ! NO ! NO ! Am I clear here ? If someone looked you in the eye and sold you this company 's coverage as true major medical insurance then you have been scammed . If you went to a web site and went `` Oh , cheap health insurance '' and then purchased it without reading the details you were still kind of scammed but you are also at some fault for not doing your homework . This is what is referred to as a limited benefit health plan . It probably does technically have some insurance components to it that are what are called `` indemnity plans '' which pay a fixed amount for a day in the hospital or for a visit to the doctor or towards other health services . These plans do not meet the legal requirements under ObamaCare to be defined as major medical insurance and to avoid the individual mandate tax penalty . In fact , they did n't meet the legal criteria to be called major medical plans before ObamaCare went into effect . Such plans were often marketed to businesses with lots of low income employees as a `` better than nothing '' alternative to more expensive group major medical plans . Sometimes they are also marketed to vulnerable individuals who do n't understand health insurance and that sounds like the case here . If your son is on a very tight budget then he will either qualify for very substantial premium subsidies in the government health insurance marketplace or for Medicaid . In either case he would have better , more affordable coverage through these options than what this outfit is selling . Also , please do my profession a favor and if an insurance agent has tried to sell you this coverage and told you it was major medical coverage please report him or her to your state 's insurance department for investigation . 