Individual health and family insurance helps cover health care costs.

Don’t have insurance through an employer? You may need individual health and family insurance.

Get health insurance with the flexibility of cost and coverage.

Individual health insurance is essential if you don’t have health care coverage through your employer or are self-employed. Don’t panic about the costs; plans may be cheaper than you expect, and you may be eligible for a subsidy through the health insurance marketplace, and you’ll often have a lot of flexibility when it comes to the balance of premium costs and coverage.

We only sell Individual / Family ACA plans.

The Affordable Care Act (ACA), also known as Obamacare, set up federal regulations that mandate all ACA health plans provide minimum essential coverage. This means that ACA plans must cover things like maternity care and mental health, and they cannot deny coverage or penalize someone for having a pre-existing condition. ACA plans are more expensive than short-term medical plans because they provide richer coverage and cannot turn you away based on your health.

Specific rules apply for when someone can enroll in an ACA plan. The open enrollment period typically runs from around November 1 through December 15 each year. There are also certain Qualifying Life Events that will trigger a Special Enrollment Period of 60 days. These events include getting married, having or adopting a child, losing coverage through your employer, or a loss in coverage due to a divorce, legal separation, or death. If you miss Open Enrollment and you do not have a Qualifying Life Event that allows for a Special Enrollment Period, you will not be able to enroll in an ACA plan.

What should you consider when choosing a policy?

Depending on your health level and appetite for risk, you can often find a policy and price that’s just right for you. The four main variables to consider: deductible, copayment, maximum out of pocket, and your policy’s network.

Health insurance can be a complicated subject. Contact us to learn more about it and your coverage options.

Preventative care is typically taken care of.

Under the ACA insurance providers typically pay up to 100 percent of preventative health care costs, such as checkups, screenings, and vaccines. This is a crucial aspect to know when selecting a health insurance policy.

Health insurance can be a complicated subject. Contact us to learn more about it and your coverage options.