Individual Health Plans

Individual Healthcare Plans

The Affordable Care Act

Under this option there is an Open Enrollment Period each year from November 1 thru December 15th. Individual plans may be purchased from top carriers with no medical underwriting and no pre-existing conditions. However, this is the most expensive individual option. Outside of the open enrollment period you can only have access to this option if you meet one of the 7 Qualifying Events listed below:

1. You or one of your dependents loses health coverage that meets certain minimum standards under the Affordable Care Act
2. You get married or divorced
3. You have a child by birth or adoption
4. You become a U.S. Citizen or gain lawful status in the U.S.
5. You move to Maryland and have access to new health plans
6. You have a change in income or household status that affects your eligibility for financial assistance
7. You lose your employer-sponsored health plan

Fixed Indemnity Plans

Fixed Indemnity plans pay out a fixed amount of money toward hospital stays, surgeries and testing. These plans can be very effective when added lines of coverage are paired with it, such as Critical Illness and Accident. These plans do require medical underwriting but for healthy individuals looking for an alternative to an ACA plan this could be a real cost saver.

Heath Share Plans

For those individuals who can't afford to have a medical plan or don't think they need one this is a great option.  For as little as $50 per month they can have a plan with unlimited virtual consults, telemedicine and up to 60% off on medical services. When paired with Critical Illness and Accident plans it is a great alternative for just a little out of pocket each month. Very simple underwriting guidelines apply for these plans.