Individual Health Insurance

Getting Started

Whether you're self-employed, between jobs, or simply looking for your own plan, our individual health insurance options ensure you have access to quality healthcare when you need it most.

Individual Health

What is Individual Health Insurance?

Individual health insurance is a policy that you select and pay for on your own, often through an online marketplace, directly from an insurer, or with the help of a licensed agent. It offers protection against the costs of healthcare services such as:

Doctor visits
Hospital stays
Emergency care
Prescription drugs
Preventive services (e.g., vaccinations, screenings)

Individual Health

Who Should Consider Individual Health Insurance?

Self-employed individuals
Freelancers and gig workers
Early retirees who are not yet eligible for Medicare
Part-time workers without employer-based coverage
Anyone in need of health coverage during gaps in employment

Importance

Why Is Individual Health Insurance Important?

Financial Protection: Healthcare can be expensive. Individual health insurance helps cover major medical expenses, such as surgeries, emergency treatments, and hospital stays, preventing overwhelming medical bills.
Access to Quality Care: With individual health insurance, you have access to a network of doctors, specialists, and hospitals. This allows you to receive the care you need when you need it.
Legal Requirement: While the federal individual mandate requiring health insurance no longer imposes a penalty, some states still require residents to have coverage or face a penalty.
Customizable Coverage: You can choose a plan that fits your medical needs and financial situation, providing flexibility in coverage levels, costs, and provider networks.

Types of Plans

Types of Individual Health Insurance Plans

Bronze Plan
- Low premiums, but higher deductibles and out-of-pocket costs.
- Best for healthy individuals who need minimal care.

Silver Plan

- Moderate premiums and out-of-pocket expenses.
- A good balance for people who may need regular care.

Gold Plan

- Higher premiums, but lower deductibles and out-of-pocket costs.
- Ideal for individuals with ongoing health needs.

Platinum Plan

- Highest premiums, but lowest out-of-pocket expenses.
- Best for those who anticipate needing frequent or expensive medical services.

Application

Financial Assistance for

Individual Health Plans

Depending on your income, you may be eligible for financial assistance through the Affordable Care Act (ACA) marketplace. This can help reduce the cost of premiums and out-of-pocket expenses.

Premium Tax Credits: Lower your monthly premium based on your household income.
Cost-Sharing Reductions (CSRs): Available with Silver plans to reduce deductibles, co-pays, and out-of-pocket maximums for those with lower incomes.

Types of Plans

How to Enroll in an Individual Health Insurance Plan

How to Enroll in an Individual Health Insurance Plan

1. Open Enrollment Period

The Open Enrollment Period typically runs from November 1 to December 15 each year. During this time, you can sign up for a new plan, change your existing plan, or renew coverage for the next year.

2. Special Enrollment Period

You may qualify for a Special Enrollment Period (SEP) if you experience a qualifying life event, such as:

Losing health coverage (e.g., from an employer or Medicaid)
Getting married or divorced
Having a baby or adopting a child
Moving to a new state or region

If you qualify, you can enroll outside the standard open enrollment window.

3. How to Apply

Online: Visit the ACA marketplace or an insurer’s website to browse plans and enroll online.
By Phone: Speak to a licensed insurance agent who can guide you through the process.
In-Person Help: Many states offer in-person assistance through certified navigators who can help you understand your options and complete your enrollment.

Health Insurance FAQ's

Got questions? We've got answers

WHAT DOES INDIVIDUAL HEALTH INSURANCE COVER?

Individual health insurance plans cover a wide range of medical services, including doctor visits, hospital stays, prescriptions, preventive care, emergency services, and mental health care.

CAN I CHANGE MY PLAN LATER?

Yes, you can change your plan during the open enrollment period or if you qualify for a special enrollment due to a life event.

WILL I AUTOMATICALLY BE ENROLLED IN MEDICARE?

If you are already receiving Social Security Benefits you will be automatically enrolled into Original Medicare, otherwise you will be eligible to enroll during your initial enrollment period that starts 3 months before your 65th birthday.