Kavitha Weaver, MBA
Executive Director, IEPC
Monterey Bay Emergency Partners
As employment models in emergency medicine evolve, maintaining reliable health insurance remains key consideration. The American College of Emergency Physicians (ACEP) offers individual health insurance plans designed specifically for emergency physicians. These plans can be useful for physicians who do not have employer-sponsored coverage, are transitioning between positions, or want additional flexibility. The program includes eight different CIGNA PPO underwritten plans, with a variety of deductibles and HSA-compatible options.
Who Can Benefit
Employed (W2) Physicians
For groups with employer-provided health insurance, ACEP plans may be helpful for:
- Part-time physicians not eligible for employer coverage.
- Physicians between positions or transitioning roles.
- Physicians seeking supplemental or alternative coverage.
Independent Contractors (1099 Physicians)
Independent contractor physicians often secure their own insurance. ACEP plans can provide:
- Coverage designed specifically for emergency physicians.
- Continuity of coverage during contract or employment changes.
- Additional flexibility and choice when employer-sponsored plans are not available.
In short, both employed and independent emergency physicians may find these options useful depending on their personal circumstances and coverage needs.
Participation Requirements
- Active ACEP membership is required.
- Enrollment is individual and family only; there are no group-level plans.
- Standard application and eligibility requirements apply.
- Enrollment is generally available during open enrollment or by qualifying life events.
All plan management is handled directly between the physician and the insurance provider: Program Details and Plan Options.
If you would like IEPC to invite an ACEP insurance representative to speak at a future meeting, please click below: