Start Individual Health Insurance Plan

• You are self-employed.
• Your employer does not offer group plans.
• You are enrolled in a group plan, but it does not cover your spouse or dependents.
• You are enrolled in a health plan, but the premiums are too high.
• You are enrolled in a health plan, but your benefit needs have changed.

Choosing an individual health insurance plan that best fits your needs depends on a few different factors. Consider the following aspects and determine how they’ll affect your plan:

• Provider eligibility and choice: Want to keep your current doctor? Make sure they’re in-network first. Also, make sure you’re comfortable with the providers covered under the plan.
• Medication eligibility: Medication coverage can vary widely by form, brand and prior approval requirements. If you take regular medications, you’ll want to make sure they’re covered appropriately.
• Premiums vs. out-of-pocket costs: If you frequently visit the doctor, lower copayments can be easier to manage but will have higher premiums. Alternatively, if you rarely see a doctor, lower premiums and higher out-of-pocket costs might be a good choice.
• Network resources: If you don’t have much patience for phone calls, reimbursements and paperwork, you may want to look for a provider with particularly strong customer service or few requirements on your end.

Complete Health Insurance Questionnaire