Individual and family health insurance plans are policies that you purchase directly for yourself or your family rather than through an employer or a government program like Medicaid or Medicare.
You can select a plan tailored to your medical needs and financial situation.
Speak With An Agent1 (800) 950-0608
There are a variety of plan types available when it comes to individual and family health insurance. Most commonly these types include:
HMO (Health Maintenance Organization) Plans - These plans are typically lower-cost but will require referrals for specialized care.
PPO (Preferred Provider Organization) Plans – These plans are more flexible, allowing specialized care without the need for a referral. These plans are usually slightly higher-cost than an HMO plan.
EPO (Exclusive Provider Organization) Plans – These plans only cover services if your doctors, specialists, or hospitals are in the plan’s network (except in emergency cases). EPO plans generally offer lower-cost premiums.
POS (Point of Service) Plans – A type of hybrid plan that is typically lower-cost if you seek services from doctors, hospitals, or other providers that are already in network. POS plans also require referrals for specialized care.
Health insurance costs can vary greatly based on the type of plan you have, the level of coverage you require, your location, and your age.
For individual plans, the average monthly premium is around $477 as of 2024, with an out-of-pocket limit of around $9,450. For family plans, there is an out-of-pocket limit of about $18,900.
Other factors, such as deductibles, premium tax credit eligibility, subsidies, and ongoing regulatory changes related to the Inflation Reduction Act, can also lower costs considerably.
If you're on a marketplace health insurance plan, you can switch plans during the annual Open Enrollment Period (OEP), which occurs once per year in the fall.
Outside of OEP, you can also switch plans if you qualify for a Special Enrollment Period (SEP), which typically occurs when you experience major life events such as marriage, divorce, having a baby, aging into Medicare, or losing other coverage. SEPs usually last for up to 60 days after a qualifying major life event.
Yes! Individual marketplace health insurance plans are required to cover people with pre-existing conditions. Under the Affordable Care Act (ACA), insurers cannot deny coverage or charge higher premiums based on an individual's health status or pre-existing conditions.
This means that individuals with chronic conditions such as diabetes, cancer, or asthma can obtain health insurance through the marketplace without facing discrimination.
All marketplace plans must provide essential health benefits, including coverage for necessary treatments related to pre-existing conditions.
We can help you find a policy that suits your individual or family health needs -- from maternity care and prescriptions to preventive services like check-ups.
Most plans cover essential preventive services, such as vaccinations, health screenings, and wellness checkups at no additional cost to you.
Insurance protects you from high medical bills in case of emergencies, surgeries, hospital stays, and chronic conditions.
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When it comes to finding the best possible health insurance coverage to fit your needs and lifestyle, options matter.
That’s why we offer you the flexibility to communicate directly with our agents in real-time as they help you explore plans available in your area.
Speak With An Agent1 (800) 950-0608
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