What is Individual & Family Health Insurance?
Individual & family health insurance provides medical, hospital, preventive, and prescription coverage for people who don’t have access to group insurance through work. Plans are available on and off the marketplace.
Plan Options:
Major Medical
PPO/HMO/EPO
Marketplace Plans
Prescription Coverage
Preventive Care
Out-of-Pocket Maximums
FAQ
What’s the difference between on- and off-marketplace plans?
On-marketplace plans may be eligible for subsidies; off-marketplace plans are bought directly from insurers and may offer more flexibility.
Are pre-existing conditions covered?
Yes, all ACA-compliant plans must cover pre-existing conditions without extra charge or denial.
Can I add dental or vision coverage?
Many plans allow you to add dental and vision for an additional premium. Some children’s coverage includes basic dental.
When can I enroll?
Open enrollment is annual, but certain life events (like marriage or job loss) may allow special enrollment outside that window.