HEALTH INSURANCE
INDIVIDUAL HEALTH YOU PURCHASE ON YOUR OWN
When you or your family purchase health insurance and are not part of a group that gets health coverage together (like an employer), you’re considered to have ‘individual market’ coverage. Many people choose to buy individual market coverage through The Health Insurance Marketplace, either Healthcare.gov or their state’s marketplace. Buying through a marketplace allows those who qualify to get premium tax credits to help with the cost of their coverage. An insurance agent or broker can help you choose an individual plan, or your state may have health insurance ‘navigators’ or other community-based assisters to help you.
While marketplaces only offer health insurance (and dental coverage) that meets certain requirements for benefits and coverage, other types of health insurance are also available to purchase on your own. These other types of insurance cover a limited set of health care services and may choose not to cover you or charge you more if you have a pre-existing health condition.
State insurance regulators help enforce consumer protections and other insurance laws for individual market insurance in their states.
If you would like a quote you will need to call us as each person’s family makeup determines not only the plan design but subsidies from our government.
Be Prepared to give us:
- The amount you paid tax on for the previous year.
- Dates of birth of all family members, even if they will not be insured. Whether or not the participant smokes.
- Your zip code, email address
“THE BEST THINGS IN LIFE ARE THE ONES WE LOVE, PROTECT THEM WITH LIFE INSURANCE.”