Individual Health Insurance
Health plans for individuals not covered by employer plans.
Typical cost: $300 – $700+ per month
Individual Health Insurance
Individual health insurance is coverage you purchase yourself, typically through the ACA Marketplace or directly from insurers. It's the primary option for self-employed individuals, early retirees, and those without employer coverage.
Marketplace Plans
The Health Insurance Marketplace offers standardized Bronze, Silver, Gold, and Platinum tiers. Premium subsidies are available based on income. Open enrollment runs November through January, with special enrollment for qualifying life events.
What's covered
Essential Health Benefits
All ACA plans cover 10 essential benefits including hospitalization and prescriptions.
Preventive Care
Annual checkups, screenings, and vaccines at no cost.
Mental Health
Mental health and substance abuse treatment coverage.
Maternity Care
Prenatal through postpartum care covered.
Prescription Drugs
Coverage organized in tiered formularies.
Tips
- • Check if you qualify for premium subsidies based on income
- • Compare total costs: premiums + deductibles + out-of-pocket max
- • Silver plans often best value due to cost-sharing reductions
- • Keep your doctors—check network before choosing
- • Apply during open enrollment or after qualifying life events
Other health insurance types
Family Health Insurance
Comprehensive coverage for your entire family.
Short-Term Health Insurance
Temporary coverage for gaps between plans.
Catastrophic Health Insurance
Low-premium plans for worst-case medical scenarios.
HSA-Compatible Plans
High-deductible plans paired with Health Savings Accounts.
Medicare Supplement Insurance
Medigap plans that fill coverage gaps in Medicare.
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