Find Individual Health Insurance Plan Options

Finding the right health insurance plans for individuals can often require comparing several plans from different providers. HealthMarkets’ innovative FitScore^® technology can help you determine which policies will work best for your health insurance needs – at no additional cost to you.

If you’re ready to begin, you can get your FitScore now and start finding health insurance plans from recognized insurance companies.

Five Health Insurance Plan Categories

It’s important to know what to look for in an individual health insurance plan before you begin shopping for plans. Here are a few simple tips to consider as you learn about your options:

Don’t just look at premiums.

Your health insurance expenses extend further than your monthly premium rate. It’s important to understand your policy’s out-of-pocket maximum, deductible, copays, and coinsurance to know how much you may be required to spend for your medical services.

Know your covered benefits.

All Affordable Care Act (ACA) plans must include essential health benefits. These include:¹

• Ambulatory services
• Emergency Services
• Hospitalization
• Pregnancy, maternity, and newborn care
• Mental health and substance use disorder services
• Prescription drugs
• Rehabilitative and habilitative services and devices
• Laboratory Services
• Preventive and wellness services
• Pediatric Services

In addition to the essential benefits, plans can also offer additional coverage. It’s important to check what your policy covers and what services you may need to pay for yourself.

Check your eligibility for savings.

If you are eligible, you could lower your individual health insurance plan expenses with two types of income-based savings opportunities: premium tax credits and cost-sharing reductions. Premium tax credits can lower your monthly premium amounts, while cost-sharing reductions lower your out of pocket expenses (like copays and deductibles).^2,3