Under-65 Coverage Made Simple

How Agents and Members Find the Perfect Ancillary Fit

You already know the under-65 health insurance market is full of opportunity—but it’s not one-size-fits-all. Within this age group, you’ll be speaking to everyone from young professionals to growing families, from gig workers to folks who are looking at early retirement. Each of these micro-demographics has unique concerns, priorities, and the potential for unique coverage gaps.

That’s why ancillary products—like dental, vision, accident, and critical illness insurance—are such powerful tools. They let you customize your recommendations and provide targeted solutions that increase client satisfaction, boost customer retention, and build out your bottom line.

(You can watch more on this topic from Ben Harrison, NCD’s Chief Revenue Officer, at this year’s Medicarians here:)

At NCD, we’re here to help you grow by serving every segment of the under-65 market with thoughtful, affordable options.

Young Adults: Budget-Conscious, Preventive-Focused

Young adults (ages 18–30) are often healthy and price-sensitive. They may skip routine care simply to save money. That’s where low-cost ancillary products like dental and vision plans come in.

These clients are typically open to plans that cover cleanings, eye exams, and basic preventive care—especially if it means avoiding big bills later. NCD’s dental products offer simple, transparent coverage that appeals to their DIY, mobile-friendly lifestyle.

Pro tip: Bundle vision with dental—it’s a high-value combo young adults want and are more likely to keep long-term. We recommend pairing plan for maximum coverage.

Families: Managing Costs and Planning Ahead

Parents with kids juggle nonstop priorities—from coordinating sports practices and club activities to scheduling annual check-ups and preventive appointments. It can feel like an endless checklist, so families need insurance that not only protects their health and wallet but also simplifies their lives.

Your role: Be the trusted advisor who helps families stay proactive—not reactive—when it comes to protecting their health and their finances. We point our families towards NCD Elite by MetLife plans, with a variety of annual maximums to choose from, plus great day-one coverage in most states.

Gig Workers & Freelancers: No Employer, No Benefits

This fast-growing segment includes rideshare drivers, creatives, and self-employed professionals. Many rely on ACA plans but lack access to traditional employer-sponsored benefits.

These clients are often underinsured and financially exposed. Ancillary products help fill critical gaps and give them the benefits they’d otherwise go without. Dental and vision plans are popular, but so are hospital indemnity and accident plans, which provide a safety net if they’re unable to work due to injury or illness.

Tip: Position separate ancillary products as part of a custom-fit solution that works together to meet the unique needs of freelancers, similar to employer coverage but tailored to fit. With so many options to choose from, explore all NCD plans available on the Agent Resource Hub.

Early Retirees: Bridge to Medicare

Adults in their 50s and early 60s may have left the workforce but aren’t yet eligible for Medicare. They’re looking for peace of mind and value-driven coverage.

This group often appreciates strong dental plans (including restorative services), and supplemental coverage that helps manage out-of-pocket costs until Medicare kicks in. Vision plans and critical illness coverage are especially attractive here.

Your opportunity: Help them feel confident and covered during this transition phase. We recommend NCD Complete by MetLife due to the coverage for major services like implants. It’s a great plan choice to both support this demographic’s needs now and get them engaged in higher co-insurance rates when they’re more likely to need it down the road.

Final Thought: Customize for Connection

You already have access to the under-65 market. Now it’s about meeting people where they are, understanding what matters most to them, and offering the right mix of solutions.

With NCD’s agent-friendly plans, you can customize your offerings, boost retention, and serve every demographic with confidence. To learn more about finding your perfect fit, grab some time with an NCD Account Executive today!