Individual Health Insurance

What Is Individual Health Insurance?

Individual health insurance provides Americans with annual medical costs coverage. From checkups to acute emergency care, insurance prevents individuals from being hit with crippling healthcare fees in the event of injury or illness.

Before the introduction of the Affordable Care Act (Obamacare) in 2010, insurance providers could deny coverage due to medical status or charge exorbitant premium fees. But, now, affordable healthcare is available to all, no matter their health status.

Individual health plans also offer ten essential benefits, including outpatient care, prescription drugs, prenatal and maternity care, hospitalization, mental health, and pediatric services.

Unless you have a qualifying life event, individual health insurance can only be purchased during the open enrollment period (November 1 and December 15 in most states).

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