individual health insurance plans

The new “Standard” for healthcare. Non-underwritten, no pre-existing condition issues. Very expensive without subsidy with high Out-of-pocket caps.

• Only Silver Plans allow discounted deductible and coinsurance.
• You may enroll during the open enrollment period from November 15th, 2023 through January 15th, 2024.
• You may also enroll at any time of year if you qualify for a Special Enrollment Period or have a Qualifying Life Event (ie. moving to a new state, certain changes in your income, and changes in your family size, for example, if you marry, divorce, or have a baby).
• The most important part of your decision process should be the network and your Rx coverage.
• All qualified health plans are given a medal. Bronze, Silver, Gold, or Platinum.

If you have a qualifying event or are Native American, you can buy ACA-compliant coverage today, but probably will have to wait until at least the start of next month before the coverage is in force.

If you don’t have a qualifying event, you can’t buy ACA-compliant coverage until open enrollment.

If you meet the Medicaid eligibility requirements of the state where you live, you may be able to enroll in Medicaid and have coverage in place immediately.

Typically for less than 1 year of coverage, however, some plans offer a Medicare Bridge plan up to 3 years – Underwritten plans.

For millions of Americans, buying a short-term health insurance plan offers the fastest route to having some level of coverage in place. These plans are not ACA-compliant, but can still provide protection from catastrophic medical expenses — and you can purchase the plans at any time during the year.

That means you could buy a short-term plan today and — if you’re approved through the underwriting process — you could have coverage in force as soon as the next business day. This aspect of short-term plans is particularly appealing to consumers who are planning to buy ACA-compliant coverage but who face a wait of days or weeks — or even months — before that coverage takes effect.