Critical Illness and Accident Insurance can be used to supplement major medical insurance.  They pay out in the event of certain illness or covered accidents, respectively.    It is important to note that these types of policies due not qualify as medical insurance in regards to the Individual Mandate of the Affordable Care Act, meaning that these policies can’t be substituted for medical insurance in a way to avoid the IRS Penalty for lack of medical insurance.

Below is a link to obtain coverage through Assurant Health