Individual Health Insurance
Individual health insurance covers medical expenses for illnesses, injuries and conditions for individuals or/and their family. Unlike a plan through an employer, individual health insurance is a medical health plan you select and pay for on your own. Individual health insurance has historically been less expensive than group coverage (employers often pay a portion of the premiums for group coverage), while individual policies are fully funded by the insured.
So, what’s Individual medical health insurance for and why do you need it?
Because accidents or health problems can happen at any time.
Medical expenses can be high—they’re the number one cause of bankruptcy.
To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies.
To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies
To safeguard your way of life and your family’s physical and financial wellbeing
Open Enrollment for all individuals purchasing individual medical insurance begins in November and runs through the month of January. This time frame allows individuals to purchase medical plans effective for the calendar year. Qualifying events allow an exception in special cases that allows individuals to purchase individual medical insurance during the plan year.