The IHC Group

Metal Gap 2: Economical, easy,
enrollment-friendly gap insurance

Even with an Obamacare health insurance plan, the financial impact of an accident or serious illness can strain your budget. Metal Gap 2 from The IHC Group provides cash payments, made directly to you, when a covered critical illness or accident occurs.

Because the payment is sent directly to you, it can be used to pay for your health plan’s deductible or other cost-sharing, or for every day expenses such as rent, a mortgage, a car payment or credit card bills. And just like your Obamacare plan, Metal Gap 2 is a guarantee issue plan, meaning you cannot be turned down for coverage based on your health history.

Metal Gap 2 is underwritten by Standard Security Life Insurance Company of NY (SSL), a member of The IHC Group. SSL is rated A- (Excellent) for financial strength by A.M. Best Company Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.)


This product or policy is not considered to be Minimal Essential Coverage as defined by the Patient Protection and Affordable Care Act (ACA). Enrolling in and maintaining a Metal Gap 2 plan will not exempt you from the Shared Responsibility Payment (tax) that may apply if you do not have plan with ACA-compliant coverage. Certain Metal Gap 2 plan selections are only available with an existing major medical ACA-compliant plan. An attestation may be required indicating all family members applying for the Metal Gap 2 plan have ACA coverage.

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