Individual Health Insurance

Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.

WHICH PLAN BEST FITS YOUR NEEDS!

            CO-PAY PLAN                        

            • Anyone who prefers the convenience of co-pay benefits for routine health care expenses.

            • Families with children who have regularly scheduled doctor visits. 

            • Adults who want co-pay benefits for preventive care & prescriptions.        

            HIGH DEDUCTIBLE PLAN      

            • Anyone willing to take responsibility for routine health care expenses for lower premiums.

            • Anyone seeking lower cost protection from unexpected accidents and illnesses. 

            • Early retirees needing a bridge to Medicare.           

            HEALTH SAVINGS ACCOUNT PLAN (H.S.A)

            • Persons interested in more control over how their health care dollars are spent.

            • Families interested in one annual deductible per family.

            • Those interested in trading low deductible health insurance for higher deductible plan to

save        money premiums and taxes.

For an instant online health insurance quote for you or your family, please fill out our online form.