Health Insurance for All Ages
If you or a family member need health coverage, an individual health insurance plan may be the right option. Schedule your free, 20-minute assessment with an expert advisor.
Schedule Your Free 20-Minute Assessment
- No-Cost Assessment: We compare individual health plans for you in a quick, free 20-minute session.
- Save Time & Money: Get personalized options and potentially save hundreds on premiums.
- Expert Guidance: Based on the assessment, we'll provide plan options tailored to your needs and budget.
- Stress-Free Comparison: Skip the confusion. We simplify health insurance shopping by comparing plans to ensure you find the one that best suits you.
When does an individual health plan make sense?
Employer Doesn't Offer Coverage
Seeking COBRA Alternatives
Considering Early Retirement
Spouse Going On Medicare
Employer Doesn't Offer Coverage
If your employer doesn’t offer health insurance benefits, don’t worry. We can assess individual plans that provide the protection you are looking for within your budget.
Looking for COBRA Alternatives
Upon leaving an employer, whether from retirement, layoff, etc., it is wise to compare individual health plans to that of COBRA (Consolidated Omnibus Budget Reconciliation Act). Although COBRA allows you to keep your existing health plan benefits, it can come at a hefty cost. Individual plans can be a competitive price solution to COBRA, while also potentially providing very similar benefits. While COBRA typically only lasts 18 months, individual plans can begin within 60 days of losing employer group coverage. Plus, we can help you renew these offerings year after year.
Early Retirees and Spouses of Early Retirees
If you or your spouse are considering early retirement or need to bridge a gap in coverage before Medicare, we’ll guide you through your options. Then when the time comes to transition to Medicare, we’ll continue to assist you through that process. We can help provide coverage "to and through" Medicare with ease!
Medicare & Spouses
If your spouse is going onto Medicare soon, you will need your own health insurance plan. Medicare coverage is individual, and spouses are not covered like they are with employer insurance. Luckily, we can help you find the right plan to help bridge the gap until you are eligible for Medicare.
Understand the Basics
In general, there are two main types of health insurance plans that apply to most individuals under age 65.
Marketplace Plans
A plan from the Health Insurance Marketplace, commonly referred to as Affordable Care Act (ACA) plans, provides private health coverage for individuals or families without employer-sponsored coverage. A Marketplace plan may be the right option if you need coverage for more than one year. These plans provide preventive services at no cost and never ask about previous or current medical conditions.
The monthly cost is individualized and is based on the estimated income of all household members. Most households qualify for tax credits, which is a subsidy based on household size and income. This tax credit could reduce your monthly insurance premium for a Marketplace plan. There is an income number called Modified Adjusted Gross Income (MAGI) that determines the amount of premium subsidy assistance from the government. Learn more about tax credits here or watch the video below.
Short-Term Plans
If you need coverage for less than a year, a short-term plan may be a good fit. They are intended to be used for unexpected and unanticipated medical needs, not for planned care. Short-term plans do not cover preventive care services. These plans are medically underwritten, meaning you must qualify to be accepted, and do not cover pre-existing conditions. Short-term plans may be right for you if you're:
- Between jobs and waiting for your new coverage to begin
- Turning 26 and no longer eligible to be on your parent's insurance
- Graduating college
- Looking for coverage outside of the Open Enrollment Period and don't have a qualifying event
- Under 65 and do not need coverage for pre-existing conditions
Additional Coverage Available
We can help you enhance your health plan by adding the following:
- Dental benefits
- Vision coverage
Hospital Indemnity coverage, which helps with hospital copays. Benefits are paid directly to you to reduce medical or personal costs of a hospital stay.
Find a health plan that's right for you.
Schedule a free 20-minute assessment.
Nine out of 10 clients would recommend us to a friend.
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