Individual Coverage

Do you see what you Currently have?

What do you think would work best for you?

Looking for options outside of employer?

Employer Coverage: Provided through job benefits. Usually inexpensive or free for employees, and sometimes very expensive to add family. Great option if coverage meets your needs and in price range.

Underwritten Coverage (Private): This is ideal if you’re self-employed, own or work for a small business, as well as employer coverage is too expensive for your family. Generally need to be relatively healthy to apply for these.

COBRA Coverage: This is an employer plan, but with the total cost paid by you. Usually a good idea to see if you can replace it with an Underwritten plan, as COBRA is typically very costly.

Medishare/Multi Plans: These are not obligated to pay your bills, and are not insurance with an attractive “0 dollar deductible”. I don’t recommend them unless it’s absolutely the only thing that’s affordable (they’re sometimes inexpensive).

Short Term Plans: These are great if you have a coverage gap between employer plans of one month or less. Often marketed somewhat deceptively - you’re probably getting calls about these.

ACA Plans (Public Marketplace/Obamacare): These are also known as “Obamacare” or “Marketplace” plans. Great for people who qualify for a subsidy or have major pre-existing conditions - otherwise, generally rather expensive.