Individual Health Insurance
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Affordable Health Insurance for Individuals and Families
Protect Your Families With Individual Health Insurance
Having health insurance has always been a wise decision and finding affordable health insurance plans for Individuals & Families help you manage your health care cost efficiently whenever you need it. Now, under provisions of the Affordable Care Act (also known as ObamaCare or ACA), it is a legal requirement. With few exceptions, all U.S. citizens including children must have a qualifying health care plan that covers a minimum of 10 essential standardized benefits or pay a tax penalty. You cannot be denied coverage or charged a significantly higher premium because of a pre-existing condition or your gender. If you miss the ACA deadline, you can still enroll in short term health plans. Want to know more? Check Miss the ACA Open Enrollment Period – Here’s What You Can Do.
Many Americans are covered by policies provided by their employer or union (see Group Health Insurance). Many more, including the self-employed and unemployed, purchase their own health insurance coverage. The Affordable Care Act allows individuals to buy qualifying plans through government-operated exchanges (marketplaces) or in the private market place. Wherever you purchase your plan, your coverage will be provided by a private insurance company and will comply with the provisions of the Affordable Care Act. However, you can only apply for available tax credits and subsidies through the federal exchange (HealthCare.gov) or your state exchange; and you can only purchase personal coverage on the government exchanges during open enrollment periods or when you have a qualifying life event.
How Do I Get Health Insurance?
EINSURANCE partners with the best health insurance companies in the health insurance marketplace and provides affordable private health insurance quotes for individuals and families. Just enter your ZIP code above and we will provide you with health insurance providers in your area. Compare health insurance providers and plans to decide which health insurance policy works best for you.
How Much Does Health Insurance Cost?
Premiums may vary depending on the provider and plan you choose. Each state can set the criteria for what insurers can base premiums on. For example, depending on the state you live in, you may be charged a higher premium based on your age, tobacco use, rating area or some other factor. It is crucial to compare different health insurance from top insurance companies and find best plans for you and your families.
Things to Think About
- Review your options during open enrollment period
- See if you qualify for a subsidy
- Shop Short Term Health Insurance plans to fill coverage gaps and reduce potential risks
- Check our Health Insurance Guides for more information and resources in your state
A Word About Shopping for Healthcare:
Health insurance is a very personal coverage. Since it relates to the specific issues and coverages needed by a given family or individual, it has a detailed health application. As you progress through this site, we will offer a number of solutions to your health care needs. When you have decided on one or maybe two offerings to pursue, you will be transported to that company’s website to complete the application. Keep the following in mind:
Shopping Tips:
- Privacy – EINSURANCE.com collects no personal data from you so we remain unbiased in the presentation of possible products. Make sure you pick a partner of ours with good credentials.
- Registrations – If you register with us, we are able to keep track of your partner selections to assist you if need be in the future.
- Detailed information – In most cases you will receive a phone call or an email to confirm or clarify your shopping process. If you receive too many phone calls or emails, please let us know immediately. Sometimes insurance organization get overzealous in their desire to help.
Find your State-specific Insurance Guidelines
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Frequently Asked Questions (FAQs)
Get clear answers to common insurance questions and important details to guide your coverage decisions.
What distinguishes “personal health insurance” from employer-provided or group coverage?
Personal health insurance refers to plans you buy on your own, not through an employer. You are responsible for enrolling, paying, and managing the policy independently.
How does the quote process differ when I go via EINSURANCE for personal health insurance?
EINSURANCE connects users to multiple licensed carriers based on personal inputs like ZIP code, age, and coverage needs, allowing customized plan comparisons.
What are top cost-drivers for a personal health plan that I may overlook?
Cost drivers beyond premiums include drug coverage, in-network provider access, specialist visit costs, and geographic differences in healthcare pricing.
How should I evaluate whether a high-deductible plan makes sense for me personally?
If you’re healthy with minimal expected medical use, an HDHP with lower premiums and HSA eligibility could save money. Otherwise, a traditional plan may be more predictable.
Will my personal health plan keep working if I change jobs or lose employer coverage?
Yes. Since the plan is purchased independently, it stays with you even if your employment status changes, making it portable and consistent.
Are there subsidies or tax benefits available when I buy a personal health plan through EINSURANCE?
If you qualify based on income and household size, you may be eligible for ACA subsidies. EINSURANCE partners can help you explore and apply them.
How does care for chronic conditions factor into choosing a personal health plan?
Chronic conditions require close attention to medication formularies, specialist access, and how many visits/treatments are covered annually under different plans.
What happens if I move out of state or travel frequently—does my personal health plan still provide useful coverage?
Emergency care is generally covered anywhere in the U.S., but routine care might be out-of-network. Permanent relocations often require a new state-specific plan.
What’s the interplay between a Health Savings Account (HSA) and a personal health insurance plan?
An HSA lets you save pre-tax dollars to pay for medical expenses, and is only available with an HSA-eligible high-deductible plan. It’s ideal for future care savings.
How do I handle claim disputes or denied coverage under a personal health plan selected via EINSURANCE?
Your first step is to appeal directly to your insurer. If unresolved, escalate to an external review or state insurance department per your plan’s rights and procedures.
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