Health Insurance Plans for Individuals and Families
Get help comparing health coverage, doctors, prescriptions and costs.
Get help comparing health coverage, doctors, prescriptions and costs.
Choosing health insurance means looking at more than the monthly premium. Your doctors, prescriptions, expected care and household all affect which plan may fit. An Insurance Concierge can help you compare available options and understand the terms before you enroll.
Individual Marketplace coverage has an annual Open Enrollment Period. Dates and coverage start times depend on the plan year and the Marketplace serving your state. Outside that period, you may qualify for a Special Enrollment Period after certain events, such as losing eligible coverage, moving, getting married or having a baby.
Tell us your state and when you need coverage. We can help you check the applicable enrollment rules and available plans. Medicaid and CHIP applications are accepted year-round.
Start with the people who need coverage, the providers you want to use and the care you expect. Compare the exact plan network, covered medicines, premiums, deductibles and other out-of-pocket costs. Use the Summary of Benefits and Coverage and confirm provider participation with the insurer and provider.
A useful health-plan comparison starts with the care and providers that matter to you. Your Insurance Concierge can help you understand the available options and the documents behind each quote.
Review the premium alongside the deductible, copays, coinsurance and the plan’s out-of-pocket limit for covered care.
Check the exact plan network and confirm participation with the insurer and provider. A carrier name alone does not settle provider access.
Review the covered-drug list, pharmacy and any conditions that apply to the medicines you want to check.
Use our complete health-plan comparison to understand how those pieces fit together. If your question is about Medicare, review the Medicare options separately.
An individual health plan can cover one person or a household. The available benefits, networks and costs depend on the specific plan, not simply whether you apply alone. We can help you compare eligible options and check whether financial assistance is available.
When comparing family coverage, review each person’s doctors, prescriptions and likely care. Check both individual and family deductibles and out-of-pocket limits. A plan should be compared against your whole household’s needs and budget.
For ACA-compliant Marketplace plans, premiums can depend on factors such as location, age, tobacco use where permitted, the people covered and the selected plan. Household income can affect eligibility for financial assistance.
Marketplace plans cannot reject you or charge you more because of a pre-existing medical condition. Your health history, including a cancer diagnosis, does not set a higher Marketplace premium. Other types of coverage can have different rules, so check which type of policy is being offered.
A PPO generally offers more flexibility to use out-of-network providers, often at a higher cost. An HMO generally uses a defined provider network, with exceptions such as emergency care. Referral and coverage rules vary by plan. Neither label guarantees a fixed percentage of every bill will be paid.
EPO and POS plans have their own network and referral rules. Compare the exact policy rather than choosing by the plan abbreviation alone.
An HSA is a tax-advantaged savings account, not a separate insurance policy. Eligible people can use one with qualifying health coverage to pay qualified medical expenses. Eligibility, contribution limits and tax rules should be checked for the current year.
COBRA can let eligible employees and family members temporarily continue certain employer health coverage after a qualifying event, such as a job loss or reduced hours. Eligibility depends on the employer plan, the event and other requirements. Termination for gross misconduct is treated differently.
The election period is generally at least 60 days from the later of the election notice or the loss of coverage. You may have to pay the full premium plus an administrative charge. Ask your plan administrator for your notice, deadline and cost, and compare continuation coverage with other eligible options.
No. ACA-compliant Marketplace plans cannot deny coverage or charge more because of a pre-existing condition. Confirm that a policy is Marketplace/ACA-compliant coverage when comparing options.
Review the premium, deductible, copays, coinsurance and out-of-pocket limit together. Check provider networks and prescriptions too. Costs depend on the exact plan and how care is covered.
You may qualify for a Special Enrollment Period after certain qualifying events. Medicaid and CHIP accept applications year-round. We can help you identify which enrollment rules apply to your situation.
Depending on eligibility, help may be available through Marketplace financial assistance, Medicaid or CHIP. Medicare eligibility is a separate question. An Insurance Concierge can help you find the appropriate next step.
Tell us who needs coverage and what you want help comparing. Request health insurance help or call 1-800-211-8660.