Individual health insurance helps cover health care costs.

Don’t have insurance through an employer? You may need individual health insurance.

Get health insurance with the flexibility of cost and coverage.

If you don’t have health care coverage through your employer, or if you’re self-employed, individual health insurance is essential. Doctor visits, emergency care, prescriptions, and hospital services may create costly out-of-pocket expenses. Don’t panic about the costs; plans may be cheaper than you expect if you shop around, and you’ll often have a lot of flexibility when it comes to the balance of premium costs and coverage.

What should you consider when choosing a policy?

Having health insurance may help individuals access routine medical care, preventive services, and ongoing treatment that support overall health and wellness. Depending on your health level and appetite for risk, you can often find a policy and price that’s just right for you. The four main variables to consider include the deductible, copayment, annual limits, and the actual coverage offered in your policy.

Health care needs may change over time.

Individual health insurance plans may offer different levels of coverage depending on medical needs, lifestyle, prescriptions, and preferred providers. Reviewing coverage options carefully may help individuals choose a plan that fits their situation.

Prescription drug coverage may be included.

Many individual health insurance plans include prescription drug benefits that may help reduce the cost of medications and ongoing treatments. Coverage levels and formularies may vary depending on the plan selected.

Preventative care is typically taken care of.

When getting individual health insurance, insurance providers typically pay up to 100 percent of the costs of preventative health care, such as checkups, screenings, and vaccines. This is an important aspect to know when selecting a health insurance policy. Health insurance can be a complicated subject. Contact us to learn more about it and your coverage options.