Quality medical coverage can make a major difference in anyone’s life. Getting access to healthcare and protection from major medical expenditures allows you to take control of your health and guard against financial loss if a major medical event occurs. However, not everyone has the benefit of working at an employer that provides health benefits. Individual health plans are simply insurance plans for an individual or family that is obtained on your own outside of an employer based group health plan.
Health insurance can be obtained for individuals and families that are not part of an employer based group health plan. Business owners themselves may need to seek individual medical coverage because the business simply cannot afford the premiums for an employer based group health plan. This is common and understandable. If the employer or employees do not have a spouse that has access to another employer based group plan or the spouses employer covers the employee only, then individual plans typically are sought. Are there implications to individual health plans for a single person or family? Yes, there are.
The one difference that really “makes the difference” is that health insurance carriers can legally deny policy coverage for individual plans. They have the right to turn down applications for health coverage. This does happen. In addition, plans can be cancelled or experience high increases in premium.
There is no doubt that it is better to be part of a larger employer based group health plan, but if you do not have that privilege then we can point you in the right direction.
Currently we have access to various health insurance carriers for Individual plans. You can fill out the form below and we can get started.
***Quotes do not guarantee coverage. Until a carrier reviews and finalizes an application with an official approval and policy effective date you do not have coverage.
Take the first step and fill out the form below. Let us show you how we can make this complicated process simple and affordable.