Insurance Options for People Without Coverage or Needing Better Coverage
Individual and family health insurance coverage differ from employer-sponsored health insurance coverage in a variety of ways. For example, pricing is based on an individual or family’s specific needs and their medical history.
This health insurance plans pricing can vary from state to state. The number of health insurance plan options is another key difference. While employer-sponsored health insurance may offer only one or two options, individual and family plan options can be in the dozens. The rates for individual and family choices may differ widely from one another.
Individual and family health insurance plans also provide you with the freedom to maintain your coverage regardless of whether you stay with the same employer. However, if you choose to move to another state, it is likely that you will be need to change insurance plans.
In most states, it is currently possible to be denied coverage for an individual or family plan based on your medical history. However, anyone may apply for individual health insurance coverage. Before applying for coverage, you should take the following steps:
- Evaluate the key needs you have for a health insurance plan based on past experience and knowledge of your health circumstances
- Determine the amount of money you can pay each month for a health insurance premium
- Use ourtools to compare the coverage and costs of plans against one another
Our parent company, e Health, provides assistance in finding affordable health insurance for individuals and families.
Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare and provide Medicare Part A and Part B coverage.
Medicare prescription drug coverage is insurance run by an insurance company or other private company approved by Medicare. A Medicare Supplement plan is a health insurance plan provided by a private company that fills in the “gaps” in original Medicare coverage.