Individual Health Plans
On or Off Marketplace ACA Health Care Plans
Health care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? With health insurance, you protect yourself and your family in case you need medical care that has the potential to be very expensive.
There are several different types of individual and small group insurance plans. You can choose a POS, HMO or PPO plan; but you should know the differences in coverage before making any purchase decision.
PPO Plan Options
We provide numerous options for health insurance coverage, including the popular PPO plans. A PPO (Preferred Provider Organization) offers you the freedom to see any in-network doctor without referrals. Individuals often find that a health insurance PPO offers the freedom and flexibility they need with minimal hassle. Because we offer so many high quality options, it’s easy to find a plan that has the network, coverage, and service you want and expect.
HMO Plan Options
We also provide multiple options for health insurance coverage with the HMO plans. Health Maintenance Organizations offer a great network of providers. The HMO generally provide lower monthly premiums. Your HMO primary care physician monitors your care and provides referrals when medically necessary.
POS Plan Options
A Point of Service plan is a combination of both a PPO and HMO. Like an HMO you will designate an in-network primary care physician for regular visits, however you can also go out of network for services without a referral. This is a great plan for clients who take extended trips or reside in another state for part of the year.
Health Savings Accounts
A high-deductible health insurance plan with a health savings account (HSA) can save you hundreds on health insurance premiums. It also enables you to set aside tax-free money to pay for your medical care. Your contributions remain in your HSA account from year to year until you use them, and any interest or other earnings are also tax-free.