HEALTH INSURANCE

Choosing the right health insurance plan is one of the most important decisions you can make for yourself and your family. Whether you are self-employed, between jobs, retiring early, or simply looking for better coverage, understanding your options can make a big difference in both your healthcare access and your monthly costs.

As independent agents, we help individuals, families and small businesses compare plans from multiple insurance carriers so they can find coverage that fits their needs and budget.

Individual and Family Health Insurance

Individual and family health insurance plans are designed for people who do not receive coverage through an employer. These plans are available through the Affordable Care Act (ACA) marketplace and directly from insurance carriers.

Depending on your income, you may qualify for premium tax credits that can significantly reduce the cost of your monthly premiums

What Health Insurance Typically Covers

Most comprehensive health insurance plans include coverage for:

• Doctor visits and preventive care

• Hospital stays and emergency services

• Prescription medications

• Mental health services

• Maternity care

• Lab work and diagnostic services

• Preventive screenings and wellness visits

Health Insurance Subsidies

Many individuals and families qualify for financial assistance through the ACA marketplace. These subsidies can significantly lower the cost of health insurance premiums.

Eligibility is based primarily on household income and family size.

Open Enrollment and Special Enrollment

Most health insurance plans follow an annual open enrollment period, typically held in the fall.

However, certain life events may allow you to enroll outside the normal enrollment window. These are called Special Enrollment Periods.

Qualifying events may include:

• Losing employer coverage

• Getting married

• Having a child

• Moving to a new state

• Turning 26 and leaving a parent’s plan