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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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Open enrollment period ends December 15

Enroll here!  Opens in a new window

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We do the work. You get an individual 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 health insurance plans 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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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.

 

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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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Finding individual 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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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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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 plans help cover those expenses, so they don’t become a financial burden.

 

Open Enrollment is the year-end period you can purchase a health insurance plan for 2022.

 

This year, Open Enrollment takes place from November 1 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 let you 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, and 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 November 1 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 2021 were $8,550 for individual plans, and $16,300 for families.

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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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Look to these online resources for more information on related topics

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Open enrollment ends December 15, 2021.

Call 844-260-6811 or visit us online to get started.

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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.

 

For Compliance Use Only:1052897-00001-00