Individual Health Insurance
Coverage That Fits Your Life & Budget
Find the Right Health Insurance Plan for You
For most people, enrolling in Original Medicare happens when they turn 65. If you’re nearing eligibility, it’s essential to understand your Medicare insurance plans, Medicare Advantage benefits, and Medicare prescription drug options.
- Understand your options – Private plans, ACA marketplace, and more.
- Compare coverage & costs – Find a plan that fits your medical and financial needs.
- Get expert, unbiased advice – We simplify the health insurance marketplace so you can choose with confidence.
What’s Right for You?
Your Health Insurance Options
Marketplace Plans (ACA/Obamacare)
- Subsidized & private plans for individuals and families.
- Available through the Health Insurance Marketplace (Covered California).
- May qualify for lower monthly premiums based on income.
Short-Term Health Insurance
- Temporary coverage for those between jobs or waiting for long-term insurance.
- Typically lower premiums but may have limited coverage.
- Not ACA-compliant—best for emergency coverage only.
Health Sharing Plans
- Alternative to traditional insurance, where members share medical costs.
- Lower monthly costs compared to full-coverage plans.
- Not regulated like standard health insurance—may not cover all services.
Private Health Insurance
- Great for self-employed individuals or those without employer coverage.
- Wide network of doctors and hospitals.
- Flexible plan options to fit different healthcare needs.
Still unsure?
We can help you compare health insurance options and find the most affordable Medicare plans based on your needs.
Frequently Asked Questions
What is the difference between Marketplace (ACA) health insurance and private health insurance?
Marketplace (ACA) health insurance plans are government-regulated and may qualify for income-based subsidies to lower monthly premiums. Private health insurance offers more flexibility, wider networks, and customizable coverage options, but does not provide government financial assistance.
When can I enroll in an individual health insurance plan?
You can enroll in a Marketplace health insurance plan during Open Enrollment (typically November to January). However, if you experience a qualifying life event (such as job loss, marriage, or moving states), you may be eligible for a Special Enrollment Period. Private health insurance plans may be available year-round.
What is the best health insurance option for self-employed individuals?
Self-employed individuals often choose between Marketplace plans, private health insurance, or Health Savings Account (HSA)-compatible high-deductible plans. Some also consider health-sharing plans, which have lower monthly costs but are not traditional insurance.
Can I get health insurance if I have pre-existing conditions?
Yes! Under the Affordable Care Act (ACA), Marketplace plans cannot deny coverage or charge higher premiums due to pre-existing conditions. Private insurance may have different underwriting rules, so we can help you compare health insurance options that work for you.
How do I find an affordable health insurance plan?
The best way to find an affordable health insurance plan is to compare coverage options based on your medical needs, budget, and preferred doctors. We help clients navigate the Health Insurance Marketplace, private insurance plans, and cost-saving options to find the best fit.