TTY 711
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 A Licensed Insurance Agent(800) 664-3997 | TTY 711
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 A Licensed Insurance Agent(800) 664-3997 | TTY 711
We help people navigate insurance products from the nation's top carriers. Speak with a licensed insurance agent today.
(800) 664-3997 | TTY 711We do not offer every plan available in your area. Currently, we represent 5 organizations which offer 51 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
1-800-MEDICARE TTY 711 is available 24 hours a day/ 7 days a week.
Health Insurance Associates, LLC represents Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that have a Medicare contract. Enrollment in the plan depends on the plan's contract renewal with Medicare.
Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
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Your Data, Your Rights: We take your privacy seriously. This privacy policy describes what personal information we collect and how we use it.
All web servers track basic information about their visitors. This information includes, but is not limited to, IP addresses, browser details, timestamps and referring pages. None of this information can personally identify specific visitors to this site. The information is tracked for routine administration and maintenance purposes.
Where necessary, this website uses cookies to store information about a visitor’s preferences and history in order to better serve the visitor and/or present the visitor with customized content.
Advertising partners and other third parties may also use cookies, scripts and/or web beacons to track visitors to our site in order to display advertisements and other useful information. Such tracking is done directly by the third parties through their own servers and is subject to their own privacy policies.
Note that you can change your browser settings to disable cookies if you have privacy concerns. Disabling cookies for all sites is not recommended as it may interfere with your use of some sites. The best option is to disable or enable cookies on a per-site basis. Consult your browser documentation for instructions on how to block cookies and other tracking mechanisms.
By entering your contact information and submitting it anywhere on this site – including forms, email, or via our chat functionality – you consent to receive emails, telephone calls, and text messages from HealthInsurance.com and our affiliates or third-party partners. These communications will describe different health insurance products and services available to you, including ACA Health Insurance Plans, Medicare Advantage Plans, and/or Prescription Drug Plans. Entering your personal contact information – including your name, phone number, and email address – is optional, and you can make a purchase by calling 1-800-950-0608 TTY 711 to speak to a licensed insurance agent instead.
Concerns or questions about this privacy policy can be directed to our support staff at [email protected] for further clarification.
Last updated: 2026-10-2
Effective Date: 2026-10-2
This Online Privacy Policy ("Policy") covers how, healthinsurance.com, a DBA of Health Insurance Associates, LLC ("we," "us," or "our") treats your personal information and other information that we collect when you interact with our website or services.
Personal information is any information that can reasonably identify you as an individual, by itself or with other personal or identifiable information. We may collect information about you in a variety of ways depending on how you interact with us and our website, products, and services. The specific personal information that we collect, use, and disclose depends on our relationship or interaction with you.
We collect personal information from a variety of sources, including from you directly when you access certain portions of our website, automatically through the use of cookies, server logs, and other similar technologies when you interact with our websites.
Our representatives may request additional information over the telephone including date of birth, mailing address, certain information pertaining to your desired result, and any other information requested by our applicable representative.
We may collect certain personal information about you and your desktop computer and/or mobile device when you visit many of the pages of the website. This information may include the type of browser, IP address, operating system, and domain name of your internet service provider.
We use this information to improve the design and content of the Site Offerings and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze usage of the Site Offerings.
We may use cookies or other technology to deliver more relevant advertising and to link data collected across other computers or devices that you may use. We do not currently recognize Do Not Track requests or headers from your browser.
Where you submit personal information, we use the information that you make available to personalize your experience with the site and to facilitate the delivery of the applicable services to you, including to respond to any inquiries you make.
We will also use your personal information for customer service, to provide you with information that you may request, to customize your experience with the site, and/or to contact you when necessary in connection with your use of the site. We may also use your personal information for internal business purposes, such as analyzing and managing our service offerings including, without limitation, the site itself.
We may also combine the information we have gathered about you with information from other sources.
In addition to the specific situations discussed elsewhere in this Privacy Policy, we may disclose personal information in the following situations:
This Disclosure pertains only to our own privacy practices and does not extend to third-party service providers that we do not own or control.
We cannot be held accountable for the information practices of third parties, including those operating websites or services that our Services link to.
Furthermore, we cannot be responsible for the information practices of other organizations such as Facebook, Apple, Google, Microsoft, Bing, app developers, app providers, social media platforms, operating systems, wireless service providers, or device manufacturers.
This includes any Personal Information you directly disclose to other organizations or enable to be disclosed to other organizations via your device or browser preferences while using the Apps or social media pages.
This information is collected in order to process transactions, comply with laws, manage our business, or provide you with services. We do not use such information for purposes not identified within the California Privacy Rights Act Section 1798.121. We do not "sell" or "share" sensitive personal information for purposes of cross-context behavioral advertising.
This site may contain links to third-party owned and/or operated websites including third-party providers with whom we work. If you visit or access one of these third-party websites, please review their online privacy and data collection practices.
We are not responsible for the privacy practices or the content of such websites.
In the past 12 months, we have collected and disclosed categories of Personal Information, including identifiers, health related information, characteristics of protected classifications, commercial information, biometric information, internet or other electronic network activity information, geolocation data, audio/electronic/visual/thermal/olfactory or similar information, professional or employment-related information, inferences drawn from the information listed, and additional categories of personal information described in the California Customer Records statute.
We collect the following categories of sensitive personal information (as defined under California law):
If you would like to exercise any of the above rights, you may do so by e-mailing us at [email protected] or calling us at (800) 985-9449.
Upon submission, you may be asked to verify your identity. If we are able to verify your request, we will respond within 45 days of your submission (or such additional time period as the law allows us).
In some circumstances, you may designate an authorized agent to submit requests to exercise certain privacy rights on your behalf.
We do not discriminate against any individual who chooses to exercise any of the above rights. If you disagree with how we handled a request, you may appeal our decision by contacting us with the subject line "Appeal."
We use reasonable and appropriate methods to protect your information. Please be advised, however, that no storage facility, technology, software, security protocols or data transmission over the internet or via wireless networks can be guaranteed to be 100% secure.
In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information.
We retain your personal information for only as long as necessary to fulfill the purposes outlined in this Privacy Policy, including for the purposes of satisfying any legal, accounting, or reporting requirements, unless a longer retention period is required or permitted by law.
To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure, the purposes for which we obtained it, and applicable legal requirements.
Visitors under 18 years of age are not permitted to use and/or submit their personal information to our website. We do not knowingly solicit or collect information from visitors under 18 years of age.
This Privacy Policy may be updated at any time and without prior notice to you to reflect changes in our personal information practices. We will indicate at the top of the policy when it was most recently updated. This policy was first effective in May 2025.
If you have any questions about this Privacy Policy or our privacy practices in general, or if you need to access this Privacy Policy in an offline format, you may email us at [email protected]; or mail us at: Health Insurance Associates, LLC, 1175 Beville Road, Daytona Beach, FL 32114.
