Individual and family health insurance plans can help you and your family stay on top of preventative health-care services as well as cover emergency expenses. Different plans work better for different families, depending on their budgets and health situations
Health insurance policy that fits your needs and lifestyle.
Different plans work better for different families, depending on their budgets and health situations. Let's find a Health insurance policy that suits your needs and lifestyle.
Affordable Care Act (ACA) plans
Find affordable, reliable coverage options for you and your family. As part of the American Rescue Plan Act (2021), many individuals and families are now eligible for lower — or in some cases $0 — monthly premiums for Marketplace health coverage.
Short term medical (STM) plans
Short term medical plans offer an affordable safety net for consumers who may find themselves temporarily without permanent coverage or unable to afford comprehensive coverage.
Fixed indemnity plans
Medical insurance that pays a pre-determined amount on a per-period or per-incident basis, regardless of the total charges incurred. They provide an extra layer of protection in the event of serious injury or illness.
Affordable Care Act (ACA) Frequently asked questions
What are Marketplace (ACA) health insurance plans?
The health care Marketplace (also called the Exchange), is where Affordable Care Act (ACA) health care plans are sold. You may also hear names like ObamaCare, BidenCare and Individual and Family Plans. These are all health care plans that people can buy on their own, rather than through an employer or another government-run program, like Medicare or Medicaid.
How can I save money on the health care Marketplace?
You may be able to enroll in Marketplace coverage with lower premiums and see if you qualify for financial help. This financial help, or subsidies, could be tax credits or cost-sharing reductions to help pay for your health care costs.
Can I be covered with pre-existing conditions?
A pre-existing condition is a health problem you had before your health plan starts. Under current law, companies who offer Marketplace health plans that meet minimum essential coverage requirements can’t refuse to cover you or charge you more because of a pre-existing condition.
What are qualifying life events?
A qualifying life event is a life-changing situation — like turning 26, moving to a new state or having a baby — that can impact you and your health insurance. If you have a qualifying life event, you may be able to buy a new health plan during a Special Enrollment Period. Learn more about qualifying life events.