Health Insurance

Getting Started

Whether you’re self-employed, between jobs, not offered employer coverage, or retiring early, individual health insurance gives you the protection and flexibility you need.

Health Insurance

What Is Individual Health Insurance?

Individual health insurance is coverage you purchase on your own — not through an employer. It helps pay for:

Doctor visits
Hospital stays
Prescription medications
Preventive care
Specialist services
Emergency treatment
Mental health services

You choose the plan that fits your health needs and budget.

Coverage

Who Needs Individual Coverage?

Individual health insurance is ideal for:

Self-employed professionals
Freelancers & contractors
Small business owners
Early retirees
Students
Individuals without employer benefits
Those between jobs

If you don’t receive health benefits through an employer or spouse, this coverage is essential.

COVERAGE

What Does It Cover?

Most individual plans include:

Preventive Care
Annual checkups, vaccines, screenings — often covered at 100%.
Doctor & Specialist Visits
Access to primary care providers and specialists within your network.
Hospital & Emergency Care
Protection against high medical bills from unexpected illnesses or accidents.
Prescription Drug Coverage
Affordable access to necessary medications.
Maternity & Pediatric Care
Coverage for pregnancy, childbirth, and children’s health services.
Mental Health Services
Counseling, therapy, and psychiatric care.

RESEARCH

Plan Options to Fit Your Budget

We help you compare:

Bronze Plans – Lower monthly premiums, higher out-of-pocket costs
Silver Plans – Balanced coverage and cost
Gold Plans – Higher premiums, lower out-of-pocket expenses
High-Deductible Plans (HSA Eligible) – Tax-advantaged savings opportunities

Our advisors guide you to the right level of protection.

Benefits

How Enrollment Works

Review Your Options – Compare plans side-by-side
Check Eligibility – Open enrollment or special qualifying event
Choose Coverage – Select deductible and network preferences
Enroll with Confidence – We handle the paperwork

Enoll

When can I enroll in a plan?

You can enroll during:

Open Enrollment Period (OEP) – Typically once per year
Special Enrollment Period (SEP) – If you experience a qualifying life event such as:
- Loss of employer coverage
- Marriage or divorce
- Birth or adoption of a child
- Moving to a new coverage area