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Private Individual Health Insurance That Fits Your Lifestyle

With a range of private individual health insurance plans, premium and deductible amounts, and levels of coverage, one is sure to fit your needs and budget.

Alternative Health Insurance

Alternative health plans offer a variety of coverages and levels of benefits, from doctor’s office visits to hospital stays to care for catastrophic illnesses. They may even provide limited coverage for certain pre-existing conditions. There’s a good chance you will find an alternative health plan that meets your unique needs.

Alternative health insurance is not major medical insurance and does not constitute ACA-qualifying coverage.

Supplemental Health Insurance

Supplemental insurance provides additional benefits for high out-of-pocket expenses in the event of a serious accident or illness. These plans do not replace major medical, but work alongside your primary health plan to help with unexpected costs.

Supplemental health insurance is not major medical insurance and does not constitute ACA-qualifying coverage.

Insurance Add-Ons

Healthcare solutions like virtual doctor’s visits (Telemedicine) and prescription drug cards can be another way to realize convenience and, sometimes, even additional savings. When used with alternative health insurance products like short term medical, they can help with out-of-pocket expenses that you may experience when you go without a more comprehensive major medical policy.

Telemedicine and Rx Discount Card are not insurance products.

Major Medical Insurance

Major medical insurance is comprehensive, ACA-qualifying health insurance coverage.

Since the implementation of the ACA, all major medical plans must follow the blueprint for ACA-qualifying health coverage, including: 10 essential health benefits, pre-existing conditions, and be guaranteed issue. These plans are only available during open enrollment or during a special enrollment period if you qualify.

Individual Health Insurance in Your State

When it comes to enrolling in Obamacare, or any individual health insurance plan like short term medical or dental insurance, you'll have to validate the costs and options available in your state.

Do you Need Individual Health Insurance?

Are you vulnerable to medical costs because you're self-employed and don't have a group major medical plan?

You may need to purchase individual health insurance, but you could qualify for alternative options.

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COBRA is not your only option for health insurance if you find yourself unemployed.

Losing your job qualifies you for a special enrollment period for major medical, and there are alternatives like short term health (available year round) as well.

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What should you do if you don't get health insurance through your employer?

You may need to purchase major medical coverage on your own, or enroll in an alternative health plan.

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What if your parents don't have insurance through their jobs or you just turned 26 and are no longer eligible to stay on their plan?

You have 6 health insurance options depending on your eligibility and circumstances.

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Can you buy health insurance that isn’t Obamacare? Yes.

It’s important to note that Obamacare alternatives are not comprehensive health plans and have less coverage than Obamacare plans.

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Medicare kicks in at age 65 – so what if you retire before that and lose your job-based group health benefits?

Compare options and select the best one for you.

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