Individual Health Insurance

Protect Your Families With Individual Health Insurance

Having health insurance has always been a wise decision and finding affordable health insurance plans for Individuals & Families help you manage your health care cost efficiently whenever you need it. Now, under provisions of the Affordable Care Act (also known as ObamaCare or ACA), it is a legal requirement. With few exceptions, all U.S. citizens including children must have a qualifying health care plan that covers a minimum of 10 essential standardized benefits or pay a tax penalty. You cannot be denied coverage or charged a significantly higher premium because of a pre-existing condition or your gender. If you miss the ACA deadline, you can still enroll in short term health plans. Want to know more? Check Miss the ACA Open Enrollment Period – Here’s What You Can Do.

Many Americans are covered by policies provided by their employer or union (see Group Health Insurance). Many more, including the self-employed and unemployed, purchase their own health insurance coverage. The Affordable Care Act allows individuals to buy qualifying plans through government-operated exchanges (marketplaces) or in the private market place. Wherever you purchase your plan, your coverage will be provided by a private insurance company and will comply with the provisions of the Affordable Care Act. However, you can only apply for available tax credits and subsidies through the federal exchange (HealthCare.gov) or your state exchange; and you can only purchase personal coverage on the government exchanges during open enrollment periods or when you have a qualifying life event.