Individual Benefit Solutions

Personal Insurance Designed Around Your Needs and Budget

In a time where company benefits are facing dramatic changes-reduction of insurance coverages, increased costs, and, in some cases, elimination of many benefits programs-you and your family could be faced with the need to find an individual health insurance plan.

While some smaller businesses cannot continue to provide benefits due to plans costs, program management or other setbacks, you still have options to ensure you are covered. Obtaining individual insurance is a good route to go to ensure that you and your family can receive affordable routine health care and be protected from very high costs in the event of a medical emergency.

Health Care Reform and You

In 2014, having some form of insurance that provides minimum essential coverage has become more important than ever. The Affordable Care Act (ACA) requires most individuals to obtain coverage or pay a penalty. While fairly small at first, the penalty increases significantly over the next two years.

In general, the lower the premium, the higher the out-of-pocket costs when you need care; the higher the premium, the lower the out-of-pocket costs. Make sure you are covered in case of a major medical accident and also for preventive care.

Apply now for an instant quote on our individual health care marketplace.