You still have options. Shop & compare Obamacare plans or affordable alternatives.
You still have options.
*Estimated national average cost in eHealth study. Rates vary by region and other factors, so your rates and savings may differ from the average. Alternative products generally cost less because they don’t meet the requirements of the Affordable Care Act (Obamacare). Check the limitations for any product you select.
Individual & Family
Individual & Family
If something unexpected happens to you – like a car accident or a serious illness – hospital expenses can quickly rack up. Individual health insurance can help prevent staggering expenses if you face a medical emergency. Major medical insurance is a type of coverage that provides benefits for a broad range of health-care services, both inpatient and outpatient. This health insurance can save you money on routine doctor's visits, prescription drug coverage, preventative care and other medical services. The plan will typically come with costs such as a monthly premium, an annual deductible, copayments, and coinsurance.
Some of the factors that may influence the cost of your plan are your age and your tobacco use. Almost anyone can purchase an individual or family health insurance plan, and it is no longer possible to be declined based on your medical history.
Do you qualify for Medicare? You might have Medicare plan options beyond the federal program, Original Medicare (Part A and Part B). Find out about Medicare Advantage plans, Medicare Prescription Drug Plans, and Medicare Supplement plans.
If you decide to stay with Original Medicare, you might be able to sign up for a Medicare Supplement (Medigap) plan to help pay for Original Medicare’s out-of-pocket costs. Different Medigap plans pay for different amounts of those costs, such as copayments, coinsurance, and deductibles. All plans cover Medicare Part A hospital coinsurance costs at 100%. Beyond this one benefit, the plans vary on what they cover with some plans being more comprehensive than others. Medicare Supplement plans sold today don't cover prescription drugs, and you can't use them with Medicare Advantage plans.
As a small business, providing health insurance can help you attract and retain good employees. Under the Affordable Care Act, businesses with the equivalent of 50 or more full-time workers are required to provide group health insurance coverage to their employees or face financial penalties.
With a group plan, costs of the small business health insurance plan are typically shared between the employer and the employee, and coverage may be extended to dependents. There may be special tax incentives available to some businesses providing group coverage to employees.
A short-term plan is temporary health insurance designed to help you bridge the gap between coverage by major medical plans. These provide much less comprehensive coverage than major medical plans and do not satisfy the requirements of the ACA or help avoid any ACA tax penalty.
You may want to enroll in a short-term health insurance after experiencing a job loss to get coverage while between jobs and employee benefits. You may also want a short-term plan if you are waiting for coverage to start and want protection in the meantime. Short-term plans usually have low premiums compared to other plans, and you can be approved quickly, sometimes on the spot. Short-term plans feature flexible terms and can cover you for any period between 30 days and 12 months. Short-term plans don’t cover pre-existing conditions and are not guaranteed-issue.
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Use a discount card to save up to 60% on vision, dental, chiropractic and moreGet Discount Card
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