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August 9, 2010

Individual & Family Plan Health Insurance

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 insurance plan 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 our tools to compare the coverage and costs of plans against one another

Our parent company, eHealth, provides assistance in finding affordable health insurance for individuals and families.

* By submitting this form, you agree that a licensed sales rep may contact you to discuss the specific types of products listed above. The sales agent that will be discussing plan options with you is either employed or contracted by a Medicare Health plan or prescription drug plan that is not the Federal government, and they may be compensated based on your enrollment in a plan. Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Prescription Drug Plan, or other Medicare plan. A Medicare Advantage plan is a health insurance plan provided through a private insurer and delivers Medicare Part A and Part B benefits. A Part D Drug plan is a prescription drug insurance plan provided through a private insurer and delivering Medicare Part D benefits. A Medicare Supplement plan is a health insurance plan provided by a private company that fills in the "gaps" in original Medicare coverage. By submitting this form, you acknowledge that you have read and understand PlanPrescriber's Terms and Conditions.