Affordable Choice (AFC) - Hospital Fixed-Indemnity Plan

Protect yourself with straightforward, reliable coverage when you need it most.

Your Care, Your Control

Affordable Choice by ManhattanLife is a fixed-benefit insurance plan designed to pay daily cash benefits for hospital stays, surgeries, doctor visits, ambulance rides, and more — no surprise bills, no complex deductibles.

Older woman and young woman on a sofa, reading a book and smiling. A mirror reflects their images.

Why Choose Affordable Choice?

Three stacks of coins.

Simple, predictable cash benefits for covered events.

Stopwatch icon.

No deductibles or coinsurance-benefits start immediately.

A black outline of a bar graph showing increasing values.

Flexible plan levels (Classic, Plus, Elite) with escalating benefits.

Four curved arrows pointing in a clockwise direction, forming a circle.

Visit rollover in select tiers-don't lose what you don't use.

A black and white line drawing of a hospital building with a plus sign on top.

Includes access to PPO network discounts-save more when you use in-network providers.

Your Healthcare Safety Net

Affordable Choice gives you a clearer, more manageable healthcare safety net — engineered for peace of mind and easy budgeting.