Individual and Family Insurance Plans

What is Individual and Family Health Insurance? 

Individual health insurance is coverage that you purchase on your own for yourself or your family, instead of through an employer or government program such as Medicare or Medicaid. It is designed for people who are self-employed or do not have access to employer-sponsored or government health plans. You may qualify for subsidies based on income and family size to help reduce costs.

Advantages of an Individual and Family insurance plan:  

• You are in control of choosing the insurance carrier and plan that is specific to your needs. 
• You can renew or switch health insurance plans or companies during the annual Open Enrollment Period. 
• You don’t have to worry about losing coverage because it is not dependent upon your employment status. 
• You can choose a plan in network with the doctors and hospitals you trust. 
• You may be eligible for a subsidy from the federal government to help pay for your insurance. 

Individual and Family Plans 

All plans include benefits like:  

• $0 copay for virtual telehealth visits 
• $0 copay for preventive visits 
• $50 wellness incentive  
• Prescription drug coverage 
• No referrals required to see specialists 

Gold Plans

Our Gold Plans are a good choice if you expect to use a lot of health care services within the next year. Other things to consider when selecting this plan:  

• Preventive services are covered in full. 
• Many services are not subject to deductible.  

Silver Plans 

Our Silver Plans are good options for saving on premiums, while keeping out-of-pocket costs low. Other things to consider when selecting this plan: 

• Preventive services are covered in full.  
• Many services are not subject to deductible.  
• Cost sharing subsides are available, if applicable.

Bronze Plans 

Our Bronze Plans offer balance between monthly premiums and out-of-pocket costs.  

• Preventive services are covered in full.