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Individual Health Insurance

What is individual health insurance?

Individual health insurance is health coverage you purchase on your own directly from an insurance company, rather than a plan sponsored by an employer. While the name suggests it’s only for individuals, these policies can cover single people as well as families.

The Need for Individual Health Insurance

Many people cannot access health insurance through their employer. This includes people who are self-employed, people who work part time or people who are unemployed. Also, some who are employed full-time may find that their employer doesn’t offer health coverage. Plus, employer-sponsored coverage can be too expensive or inflexible for some people.

Even without group insurance, you need coverage to protect yourself and your family. After all, a single medical event could quickly destroy your budget and even bankrupt your family.

Finding the Right Options

Many choices exist for people shopping for individual health insurance. Weigh your options to find a plan that fits both your budget and your situation. For most people, a plan that meets both of these needs is available.

For example, if you’re in good health and fairly young, you might choose a plan with a higher deductible and a lower monthly premium. This would be an “emergency” plan, designed to help you if an unexpected but expensive medical event happens. But if you’re older and have health concerns or you have a large family, you may want to pay more per month for the security of a lower deductible.

If you feel overwhelmed by the number of options available, we’re here to help. Call us today at (800) 444-8990 to discuss your needs and options, and we’ll help you gather the information you need to make an informed decision.

Want to learn more?

Consider these commonly asked questions about individual health insurance.

Our individual health insurance plans are available in these states.