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Get Individual and family plans from the nation’s top health insurance companies & eHealth partners, including…
For over 20 years we’ve helped over 5 million people like you find the right health insurance.
There are three types of health insurance for individuals and families to choose from, including Affordable Care Act plans, short-term plans, and medical indemnity plans. Within these categories there is a variety of individual health insurance plans available, and health insurance for individuals comes in many shapes and forms. It would be our pleasure to help you compare the benefits of each health insurance plan on the table. That way, you can have the right coverage for your specific medical needs at a price you can afford. Find the right type for you below, or explore health insurance plans by state to find coverage options in your area. As always, our licensed agents are here to help you find the right health insurance plan to suit your individual needs.
1. Affordable Care Act Plans
You may know Affordable Care Act (ACA) plans as major medical, comprehensive coverage, or even “Obamacare,” but whatever you call them, these plans meet all the requirements of the ACA and are typically the most comprehensive on the market. If you have a chronic illness or face a medical emergency, these plans can help prevent staggering expenses.
ACA plans provide benefits for a broad range of health care services, both inpatient and outpatient, and can save you money on routine doctor visits, prescription drugs, preventative care, hospital stays, and more. These plans are available to almost everyone, and you can’t be denied based on preexisting conditions.
Watch more videos on the same topic : Bupa health insurance | What is a general exclusion?
Video Description
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2. Short-Term Plans
If you can’t afford an Affordable Care Act (ACA) plan or have missed the cutoff to apply, you may want to consider a short-term plan. Compared to ACA plans, short-term health insurance typically provides much less coverage and does not help you avoid any state tax penalties. But short-term plans do accept applications year-round, and they can help offset costs if you have a medical emergency unrelated to a preexisting condition.
Short-term plans do not meet the requirements of the ACA and may not cover all — or any — of your medical needs, so you’ll want to read the plan details carefully before applying. Also worth noting that purchasing short-term health insurance may make you ineligible for other health insurance including ACA plans and COBRA.
Also known as fee-for-service plans, medical indemnity health insurance pays you a fixed amount for services such as $50 for a doctor visit. In this example, if you visit the doctor, the plan will give you $50, regardless of the bill for the actual visit.
When combined with other insurance, medical indemnity plans can help cover out-of-pocket medical expenses like copays and coinsurance. You can also purchase a medical indemnity plan as your only insurance or as part of an insurance package, but as with short-term health insurance, medical indemnity plans do not meet the requirements of the Affordable Care Act (ACA) and will not help you avoid any state tax penalties. Indemnity plans also typically do not cover preexisting conditions and may include per-incident, yearly, and/or lifetime benefit limits.
Medical indemnity plans are not right for everyone, but if you want help covering medical costs and expenses, they may be worth a second look.
Find Indemnity Plans
At eHealth, we take great pride in offering both individual and family health insurance plans. We understand that health insurance plans for family members and individuals come in many shapes and forms, and we can help you find the right plan to meet your needs. Some of the biggest reasons why you should trust us include:
All plans in one place
Whether you need health insurance for yourself, your business, or your family, eHealth has a wide range of options. Let our experts help you find the health insurance you need.
Benefit comparisons
See unbiased comparisons of plan costs and benefits across all major carriers. Get a quote & find the most affordable plan that’s right for you.
Lifetime support
Our support continues even after you sign up. Talk to our licensed insurance agents to understand your plan benefits, premiums, and more.
Regardless of whether you are looking for health insurance for individuals or health insurance for family members, we understand that a lot of people have questions. Some of the most common questions we hear about individual and family medical insurance include:
How much is individual health insurance?
Individual health insurance costs vary depending on your state. On average, you can expect to pay between $225 and $327 per month* for a single person. Browse health insurance options by state to find plans available in your area.
* This is the based on average pricing for plans from eHealth, but actual prices available depend on zip code, age, gender, and other factors. Get a personalized quote to see what may be available for you.
What’s the cheapest health insurance?
The cheapest individual health insurance coverage will depend on your household income as you may qualify for a subsidized plan. Without subsidies, you can find plans for as little as $139 per month* for a single person.
* This is the based on the lowest prices for plans from eHealth, but actual prices available depend on zip code, age, gender, and other factors. Get a personalized quote to see what may be available for you.
How do I get individual health insurance?
You can get individual health insurance and compare prices from all carriers in one place with a marketplace, like eHealth. Marketplaces offer more support to help you find the right plan that suits your needs at no extra cost to you. To get coverage, simply enter some basic information (age, zip code, gender, etc.) and compare quotes from carriers in your state.
Individual health insurance plans cover everything a plan provided through your employer would cover. You can compare dozens of options available in your area to find the right balance between price and coverage. eHealth’s licensed insurance agents can help you find a plan that fits your specific needs at no extra cost!
You can purchase an individual health insurance plan during open enrollment or during a special enrollment period. To qualify for a special enrollment period, you must have a qualifying life event, such as loss of current coverage or a change in marital status. Check our list of qualifying life events to see if you’re eligible.
How do I get health insurance without a job?
An estimated 49% of Americans get health insurance through their employer, but you do not necessarily have to do so. The Affordable Care Act was intended to make health insurance more accessible for all US citizens, and you don’t need to be employed to qualify for an ACA health insurance plan. Individuals with income restrictions may also qualify for a subsidy to help pay for health insurance.
You have a lot of options available, but it can also be confusing to navigate the waters by yourself. That’s where a licensed agent at eHealth can help. When working with our helpful agents and using tools like our plan comparison tool, you can find a health insurance plan that works for your budget and provides the coverage you need. eHealth’s team can also help you determine whether or not you qualify for an ACA subsidy.
If you are interested in choosing a health insurance plan, there are a lot of factors to consider. First, you need to think about whether you are purchasing insurance for yourself or your family. You might be able to get a discount with a bulk plan, but this is something that you need to consider ahead of time.
Then, you need to think about whether you are going through your employer to get health insurance or if you will be purchasing it on your own. If you go through your employer to get health insurance, you can often save some money. On the other hand, you might be limited in terms of the number of plans from which you can choose. Make sure you are clear about how you will be getting your health insurance.
Then, you need to think about your deductible, your premium, any potential co-pays, and the prospect of coinsurance. All of these factors will play a significant role in how much coverage you have and how much money you will have to pay. If you want to learn more about these factors, and how they should influence your choice, it would be our pleasure to talk to you about your options. You can also check out eHealth’s resource center to get more helpful information on all of these topics.
How long does it take to get health insurance after applying?
It can often take about three weeks for your application to be processed, once you’ve enrolled and made your initial payment for a major medical plan. That being said, the timeline tends to depend on when you enrolled in your health insurance plan. Additionally the timeline for alternative health insurance plans, like short term plans, can vary, and these plans are often designed to help get you covered more quickly.
To find out more details, check out our article on the health insurance application process.
View All States
If you are looking for individual health insurance plans or family health insurance plans, it would be our pleasure to help you. Our team of licensed agents can talked to you about all of your options including ACA plans, indemnity insurance plans and more. Because every insurance plan is different, you must think about the benefits and drawbacks of each option before you make a decision. Then, rely on our team to help you. Contact us today to speak to a member of our team and get started.
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