Individual Health Insurance


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    Individual Health Insurance

    Beginning January 1st 2014, all health plans must be compliant with the Affordable Care Act (ACA). We offer a variety of individual health insurance plans that meet ACA requirements while giving you choice in your benefits and how much you pay in premiums.

    Copayment plans are what most people think of as traditional plans. They offer a fixed copayment for things like primary care office visits and prescriptions. While you'll know what you're going to pay with copayment plans, they come at a higher premium. These plans are ideal for someone who wants predictable costs and doesn't mind paying more in premiums.

    High Deductible plans have lower premiums than copayment plans. If you don't expect a lot of medical expenses and want to save money on premiums, these may be the plans for you. For these plans, you pay the full cost of your medical expenses until you meet your medical deductible. Then you pay a coinsurance percentage, sharing the cost with your Insurance Company until you reach your out-of-pocket limit. After that, your Insurance Company pays all covered costs for that calendar year.

    Short Term plans are good if you are in between jobs, just starting a new job and waiting for coverage,a college student or recent graduate with no health coverage.

    An International coverage plan may be available to you when traveling abroad.

    Frequently Asked Questions.

    1. Will I qualify for lower costs on monthly premiums??

    Answer When you get health insurance coverage in the Marketplace, you may be able to get lower costs on your premiums. This depends on your income and family size.

    2. Will I have a pre-existing condition clause on my policy??

    Answer No, insurance companies can no longer put a pre-existing clause on your policy.

    3. When can I enroll in a health plan??

    Answer For coverage starting in 2014, the Open Enrollment Period is October 1, 2013–March 31, 2014. For coverage starting in 2015, the proposed Open Enrollment Period is November 15, 2014–January 15, 2015. Individuals may also qualify for Special Enrollment Periods outside of Open Enrollment if they experience certain events.

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