We got this question recently - Does Blend Benefits offer ACA compliant insurance packages? The answer is no. These packages are a great supplement but not a replacement. We fill in the gap in coverage left by more health insurance plans. For example, many people with traditional health insurance use us to get immediate, no fee care for common illnesses (via Teledoc) rather than make an appointment to see their primary care provider, visit the urgent care or go to the emergency room. In fact, 70% of all ER visits could have been addresses via telemedicine instead of an ER. Others use the dental discount program for cosmetic work or for more extensive repairs that are not covered by their dental plan.