Individual Health Insurance Plans
As you search for your own health insurance plan, you'll want to take a number of factors into consideration. Of course, you're always going to look at rates and coverage, but there are also a few other factors that should help you decide on the right individual health insurance plan.
Pre-existing exclusions - If there are any pre-existing exclusions on a policy, your application may not be accepted if you have your own individual health problems. If you have certain chronic health conditions, you may want to look into health options for high-risk individuals (or even your state's high risk pools).
Guaranteed eligibility - Plans with guaranteed eligibility will accept you no matter which condition you may have; however, these plans generally have higher costs. Still, if you have any chronic conditions, you may want to look into this option.
Waiting periods - Some plans have pre-existing exclusionary periods. These are generally 12 months - and they basically bar you from receiving any benefits for certain conditions within that 12-month waiting period. If any symptoms or conditions on the exclusion list appear, your health insurance coverage may not cover this. For this reason, it may be best to opt for a plan that doesn't have a pre-existing condition exclusion period, if possible.
Other Considerations as an Individual
As an individual you will need to make many other considerations. To explore your options, it's best to speak with an experienced agent, who can guide your decision and find the lowest rate possible. To get started today, you should fill out the form on this site.