Overview
Individual health insurance is major medical coverage you buy on your own — outside of an employer plan. It typically covers preventive care, doctor visits, hospitalization, prescriptions, and emergency care. Depending on eligibility and household income, you may qualify for premium tax credits through the marketplace.
Who it fits
- Self-employed professionals and freelancers
- Families without employer coverage
- Early retirees under 65
- Recent college graduates
What it typically covers
- Preventive and primary care visits
- Hospitalization and emergency care
- Prescription drug benefits
- Maternity and newborn care
- Mental health and substance-use services
Specifics vary by carrier and plan. Request a personalized quote to see exactly what applies to your situation.
Things to weigh
- Monthly premium vs. deductible balance
- Provider network and preferred hospitals
- Prescription formulary tiers
- Whether you qualify for marketplace subsidies
Common questions
What's the difference between marketplace and individual health insurance?
Marketplace plans are ACA-compliant and may qualify for premium tax credits based on income. Individual plans purchased outside the marketplace can offer different structures but don't include marketplace subsidies. We'll walk through which fits your household.
Is short term health coverage a good idea?
Short term coverage is best used as a bridge — between jobs, waiting for open enrollment, or covering a gap. It typically excludes pre-existing conditions and may not cover essential benefits. It shouldn't replace ACA coverage long-term.
Why would I need supplemental coverage?
Major medical plans often leave high deductibles, copays, or non-covered expenses. Supplemental coverage — accident, hospital indemnity, critical illness — pays cash benefits to help absorb those costs so a health event doesn't become a financial event.
Ready for personalized options?
Request a free quote and a licensed agent will follow up with individual health insurance options that fit your situation.