Individual Health

Coverage at a glance

Individual health insurance covers people who do not receive coverage through an employer or a government program. Plans offered through the health insurance marketplace include essential health benefits such as preventive care, hospital care and prescription drugs, and they cannot deny coverage or charge more because of existing health conditions. Depending on household income, you may qualify for premium tax credits that reduce your monthly cost.

Private plans purchased outside the marketplace are also available, and some offer different network or pricing structures that may suit particular circumstances. Because the rules, benefits and protections differ between plan types, and because availability varies by state and by carrier, we explain each option clearly before you decide.

A doctor speaking with a young girl during a checkup

Who it is designed for

Individual health coverage is designed for people who are self employed, own a small business without a group plan, work for an employer that does not offer coverage, are between positions or are retiring before Medicare eligibility. It also serves families who would like to compare their employer plan against what the individual market can offer.

How the plan works

We begin by understanding your household, your preferred doctors and hospitals, your prescriptions and your budget. We then compare the plans available in your area, explaining how premiums, deductibles, copays and networks interact so that you can see the full cost of each option rather than the monthly premium alone.

Marketplace plans may be purchased during the annual open enrollment period or during a special enrollment period that follows a qualifying life event, such as a move, a marriage, the birth of a child or the loss of other coverage. We help you determine your eligibility for savings, complete your enrollment and review your plan each year.

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Speak with us about Individual Health

Share a few details, and we will reach out personally to arrange a conversation at a time that suits you. There is never any cost or obligation for our guidance.