Introduction
It’s possible to get help paying for medical care through health insurance. If you’re not covered by your job or the government, you can obtain insurance yourself. An individual health plan is what this means. This guide will introduce what an individual plan is and how you can find one that is right for you.
What Makes Up an Individual Health Plan?
An individual health plan means you purchase health insurance coverage alone. Coverage includes going to the doctor, time in the hospital, taking medicines and other health care needs.
What Kinds of People Need a Personal Health Plan?
- Self-employed people
- Those who perform gig work or work freelance
- Anyone who doesn’t have insurance provided by an employer
- People who left work earlier or who now have part-time jobs
What Are the Topics Included?
Most personal health insurance covers:
- Doctor visits
- Emergency care
- Hospital stays
- Prescription drugs
- Routine check-ups and vaccine appointments
Options to Consider When Looking for a Plan
Ensure you check the premium amount you’d have to pay every month.
You will pay this amount every month to stay in the plan.
I have to check the deductible as well.
This is the money you need to pay out of pocket before the plan helps.
Look at what the Network brings to its members.
Remember to include your favorite doctors or hospitals into your plan.
Compare Plans
Visit online tools to look at available plans in your community.
FAQ Section
If I’m already healthy, can I still get a standalone plan?
Yes and it makes sense to have insurance should you become ill or injured.
What should I do if I can’t pay for a plan?
You may find out that you can get discounts due to your financial situation.
Where is it possible to buy an individual insurance policy?
You could shop for health insurance through government sites like Healthcare.gov or you could check with private insurers.
When is the deadline for enrollment?
In most cases, you can sign up during open enrollment, yet losing your job is often one of the reasons you can join at any time.
