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Actions Affordable Individual Health Insurance Plans The help you need to find the insurance plan you want
Getting quality individual health coverage you can afford doesn’t have to be difficult. Let’s find the plan for you.
Shop plans now Get a better health plan. Opens in new window or Call us at 844-260-6811
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Actions Special enrollment period extended to August 15th.
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Actions We do the work. You get an affordable health insurance plan that fits your needs.
We do the work. You get an affordable health insurance plan that fits your needs.
Assurance, a Prudential company is one of America’s leading individual insurance services—for individuals, families, self-employed workers, the newly unemployed, and Medicare recipients. And we help over 10,000 people find affordable, quality coverage every month.
- Look to us for short-term insurance, ACA individual plans, Medicare Supplement, or Medicare Advantage policies
- Shop and compare your health plan options from some of the most trusted health insurance carriers in your area
- Talk to one of our licensed agents at any time—for answers, guidance, and advice when you need it
- Keep it all simple. We make it easy to get started and enroll—all in a simple, personal, and user-friendly experience
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Actions How can Individual health insurance work for you and your family?
How can Individual health insurance work for you and your family?
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Individual ACA “marketplace” plans cover your essential medical costs
If you’re under 65 and uninsured, you have a choice of affordable, individual health plans that offer essential benefits required by the Affordable Care Act of 2010. Does your family have a range of medical needs? Are you self-employed? Consider your income level and where you live (you may qualify for a subsidy) and we’ll match your needs with a plan.
Special enrollment period: Extended to August 15th.
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Actions Self-employed? Between jobs? Ready to retire? Let’s talk.
Self-employed? Between jobs? Ready to retire? Let’s talk.
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Short-term health plans
We’ll help you find short-term, low-cost, basic health coverage to meet your needs or give you a “bridge” between long-term plans.
Health insurance if you’re unemployed
Like millions of newly uninsured Americans, you have short-term, marketplace, even Medicaid health plans to choose from. We can help.
Health insurance if you’re self-employed
Self-employed workers can look to us for all their options—including plans available through the Individual Health Insurance Marketplace.
Medicare plans
Are you turning 65? On disability? Already have Medicare? Whatever you’re looking for, we’re here to help you find just the Medicare plan you need.
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Actions Finding affordable health coverage is easier than you think
Finding affordable health coverage is easier than you think
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Actions FAQs: Individual and ACA Health Insurance
FAQs: Individual and ACA Health Insurance
Looking for quick answers to some common health insurance questions? Here’s a good place to start.
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Actions Individual Health Insurance
Health insurance protects you from financial hardship and helps you maintain your health.
At any age, you could have an accident, face a serious illness, or develop a chronic medical condition—all of which come with serious medical expenses. Even the cost of staying well, from checkups to eye exams, adds up quickly. Health insurance helps cover those expenses, so they don’t become a financial burden.
A special enrollment period will take place from February 15, 2021 through August 15, 2021 for individuals and families for ACA marketplace coverage in response to the COVID-19 pandemic. The special enrollment period is for the 36 states Opens in new window served by the Health Insurance Marketplace.
You can find out if you’re eligible by visiting HealthCare.gov Opens in a new window or by contacting the marketplace call center. If you’re interested in enrolling in Medicaid or the Children’s Health Insurance Program, you may already be eligible for existing special enrollment periods.
If you’re eligible and enroll during the special enrollment period, your coverage will begin on the first of the month after you’ve selected a plan.
Open Enrollment is the year-end period you can purchase a health insurance plan for 2022.
This year, Open Enrollment takes place from October 15 to December 15, 2021, but dates may be different in your state. During this time, you can sign up for a health insurance plan that will begin on January 1, 2022.
You can buy short-term or indemnity health insurance at any time but you cannot change or buy ACA health coverage outside Open Enrollment without a life qualifying event, otherwise known as Special Enrollment period. Life qualifying events include:
- Losing your health insurance through involuntary job loss, divorce or other event
- Having or adopting a child
- Moving outside your current health insurance provider’s service area
- Getting married
- Losing your parents’ health insurance (required after you turn 26 years old)
- Having your current plan canceled
Any health plan you are considering will give you access to a list of in-network doctors.
All health plans allow you to search their provider network via their websites, or you can contact them by phone to verify whether your doctor is in or out of network.
Most health insurance plans separate essential coverage from non-medical coverage.
While Illness, hospitalization, and preventive care are essential in most health insurance plans, dental and vision plans are not. That leaves you free to consider a different provider for those benefits.
ACA Individual Health Insurance
The Affordable Care Act of 2010, also known as Obamacare defines a list of 10 essential benefits that individual marketplace medical plans must cover to be an ACA plan.
ACA plans differ, but all guarantee 10 essential benefits.
By law, ACA plans must cover outpatient, emergency services, surgery, maternity and newborn care, mental health, prescriptions drugs, preventative and rehabilitative care, as well as lab services and pediatrics. This kind of coverage comes with higher premiums than non-ACA short-term plans but with far greater levels of coverage.
You can start a plan during the annual “Open Enrollment,” or other times in some cases.
The “Open Enrollment” period for 2022 health plans is from October 15, 2021 to December 15, 2021. During this time, you can select and join an ACA plan. You can also enroll any time you have a qualifying life event—for example, if you’ve lost existing health coverage, moved, were married, or had a child.
No—In almost all cases, there’s a waiting period before coverage starts.
While you can select a plan any time during Open Enrollment, you won’t start paying premiums until your new coverage begins on January 1. But if you purchase an ACA plan because of a qualifying life event, that coverage won’t begin for at least two weeks, generally at the beginning of the month following enrollment.
Premiums vary and subsidies may be available.
If your income is less than 4x the Federal poverty level, subsidies may cover part of your premium and/or out-of-pocket costs. ACA plans can help manage expenses because they provide a cap on what you have to pay. Maximum out-of-pocket expenses in 2020 were $8,200 for individual plans, and $16,000 for families.
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Actions When it comes to health insurance, the more you know the better.
When it comes to health insurance, the more you know the better.
For more information on the health insurance you need, connect to any of our guides to learn more.
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Actions Look to these online resources for more information on related topics
Look to these online resources for more information on related topics
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Actions Special enrollment extended to August 15th.
Call 844-808-0809 or visit us online to get started.
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Actions Footnote
Assurance IQ, a wholly owned subsidiary of Prudential Financial, Inc., matches buyers with products such as life and health insurance and auto insurance, enabling them to make purchases online or through an agent. Neither Prudential Financial, Inc. nor Assurance IQ offers, underwrites, or administers health plans or health insurance policies.
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