Individual Health Plans
Here at Benefit Solutions by Design, we prioritize finding you the best individual health insurance coverage.
Health Insurance Under 65
If something unexpected happens to you – like a car accident or a serious illness – hospital expenses can quickly rack up. Individual health insurance can help prevent staggering expenses if you face a medical emergency. Major medical insurance is a type of coverage that provides benefits for a broad range of health-care services, both inpatient and outpatient. This health insurance can save you money on routine doctor’s visits, prescription drug coverage, preventative care and other medical services. The plan will typically come with costs such as a monthly premium, an annual deductible, copayments, and coinsurance.
Medical
Health insurance is defined as coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment. A choice of either personal or employer sponsored insurance policy that provides financial protection in whole or a part of the risk of a person incurring medical expenses. The insurer can develop a routine finance structure, such as a monthly premium to provide the money to pay for the health care benefits specified in the insurance agreement. Choosing the healthcare solutions that best suits you and your family is paramount in today’s market options.
Short Term Medical
Short Term medical insurance, also called Temporary health insurance or Term health insurance, can provide a temporary solution to help fill gaps in coverage. Consider Short Term if you’re:
- Between jobs
- Waiting for other coverage to begin
- Waiting to be eligible for Medicare coverage
- Without health insurance, outside of Open Enrollment
For these situations and more where you are stuck in a coverage gap, finding the best short-term health insurance plan you may be just the right solution for you.
Important Dates & Deadlines for Individual Health Insurance
Open Enrollment Period (OEP)
The Open Enrollment Period typically runs from November 1st to December 15th each year. However, exact dates may vary by state, so it’s crucial to check your state’s Marketplace or connect with a licensed health insurance agent to confirm your deadlines.
During OEP, you can:
Enroll in a new health plan
Renew or change your existing plan
Special Enrollment Period (SEP)
If you experience a qualifying life event, you may be eligible for a Special Enrollment Period. Common qualifying events include:
Losing other health coverage
Getting married or divorced
Having a baby or adopting a child
Moving to a new coverage area
The SEP generally lasts 60 days from the date of the qualifying event.
Choosing the Right Individual Health Insurance Plan
THINGS TO CONSIDER
Before you choose a plan for you and your family, you must first assess your needs. Consider the following factors:
Health status
Budget
Preferred providers
Prescriptions
Then, be ready for enrollment season.
PREPARING FOR ENROLLMENT
Follow these steps to make your process smoother:
Gather information: Have the following ready:
Social Security numbers for all household members
Employer and income details
Immigration documents (if applicable)
Apply early: Avoid last-minute stress by enrolling well before the deadline
Review details: Double-check your application for accuracy to avoid processing delays and resubmissions
Set up payments: Ensure your payment methods are set up correctly so your coverage begins on time
