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Actions Affordable Health Insurance Plans The help you need to find the insurance plan you want
Getting quality health coverage you can afford doesn’t have to be a challenge. Find the plan for you.
Shop plans now Get a better health plan. Opens in new window or Call us at 877-514-2404
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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.
We’re one of America’s leading insurance services—for individuals, families, independent workers, the newly unemployed, and Medicare recipients. And we help over 10,000 people find coverage every month.
- Look to us for short-term insurance, ACA plans, Medicare Supplement, or Medicare Advantage policies
- Shop and compare health plan options from some of the most trusted insurance carriers in your area
- Talk to one of our licensed agents any time—for answers, guidance, and advice when you need it
- Keep it simple. We make it easy to get started and enroll—all in a 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-compliant “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.
Open enrollment is here, so you can sign up for a plan right now.*
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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? 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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Call or start online
and tell us about your
needs and budget
Find the right plan
for yourself, your family or
your Medicare coverage
Get covered quickly
when you apply online and
speak with our licensed agents
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Actions FAQs: Individual and ACA-compliant Health Insurance
FAQs: Individual and ACA-compliant 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 costs so they don’t become a financial burden.
Open Enrollment is the year-end period you can purchase a health insurance plan for 2021.
This year Open Enrollment takes place October 15 to December 15, 2020, 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, 2021.
You cannot change or buy private health insurance outside Open Enrollment without a life qualifying event, which has its own 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-compliant 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 “ACA-compliant.”
ACA-compliant plans differ, but all guarantee 10 essential benefits.
By law, ACA-compliant 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-compliant short-term plans.
You can start a plan during the annual “Open Enrollment,” or other times in some cases.
The “Open Enrollment” period for 2021 health plans is from October 15, 2020 to December 15, 2020. During this time, you can select and join an ACA-compliant 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-compliant plan because of a qualifying life event, that coverage won’t begin for at least two weeks.
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-compliant 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 The open enrollment period for Individual Plans is here. Call 877-514-2404 or visit us online and get started today.
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Actions Footnote
* If you’ve recently lost health coverage, you may be eligible for a "special enrollment period" outside of the open enrollment period.
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.
Assurance IQ is a licensed representative of Medicare Advantage HMO, PPO and PPFS organizations and prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.“
The purpose of this site is the solicitation of insurance. Medicare supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and in some states to those under age 65 eligible for Medicare due to disability or End Stage Renal disease. Neither Assurance IQ nor Medicare supplement insurance plans are connected with or endorsed by the U.S. government or the federal Medicare program.
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