From $13/mo • Cash Paid to You • Enroll in 10 Minutes
Your Health Plan Has a Gap.
Emerge Fills It.
The average ACA Marketplace deductible hit a record $3,786 per person in 2026, and the 2027 out-of-pocket limit climbs to $12,000. Break an arm and you could owe thousands before your health plan pays its share. Emerge Accident Insurance pays cash benefits directly to you, even if you already have health insurance, to help cover deductibles, co-pays and everyday bills while you recover.
Real Story: "I wanted to share my experience first-hand."
Deb broke both wrists in a fall on the pickleball court. Between doctor visits, X-rays, MRIs and possible surgery, the bills added up fast. Because she had accident coverage she bought through Emerge, she's eligible for up to $4,500 in cash benefits, paid directly to her.
Deb Christensen is Business Development Director at Pictona, an Emerge tournament partner. Individual results vary.
Get 25% More Benefits
for organized sports injuries
*Up to $1,000 per accident
Proud Accidental Injury Insurance Partner
Questions? We've Got Answers.
Most health plans make you pay your deductible before they pay their share. The average ACA Marketplace deductible reached a record $3,786 per person in 2026 (KFF), and the 2027 out-of-pocket limit is $12,000 (CMS). Emerge pays cash benefits directly to you after a covered accident, even if you have health insurance, so you can put the money toward deductibles, co-pays or other bills.
After a covered accident, you file a claim online and cash benefits are paid directly to you, not to the doctor or hospital. You decide how to use the money, whether that's medical bills, rent, groceries or getting to follow-up appointments.
Coverage is available for ages 15 days to 70 years, with plans as low as $13 to $38 a month depending on your age, state and coverage. Click See My Price for your exact quote, then apply online in about 10 minutes.
Emerge is accident-only insurance. It does not cover sickness. Benefits may be reduced, limited or excluded in some situations, and availability, features and rates vary by state. See the policy's Limitations and Exclusions below for complete details.
Disclosure, Limitations and Exclusions: This policy may contain reductions of benefits, limitations and exclusions. Product availability, features, rates, limitations and exclusions may vary by state. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information. The state specific policy form is the ultimate authority for any questions about this product. Policy Form No. I H2203, Rider Form No. R I2204 and if made available, associated Form Nos. R I2205, R I2208 underwritten by Assurity Life Insurance Company, Lincoln, Nebraska. IMPORTANT NOTICE: This policy provides ACCIDENT INSURANCE ONLY. This policy DOES NOT PROVIDE COVERAGE FOR SICKNESS. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Deductible statistics: KFF analysis of 2026 ACA Marketplace plan selections (May 2026); 2027 out-of-pocket limit: CMS Notice of Benefit and Payment Parameters for 2027.