Family and Individual Health Insurance for All Ages
If you or a family member are in need of health coverage, an individual health insurance plan may be the right option. Download the Family and Individual Health Plans Checklist or speak with an expert advisor.
Taking on the health insurance landscape on your own can be overwhelming and could lead to choosing the wrong plan. Fortunately, you don’t have to go it alone—we offer personalized guidance and will help you find a plan that’s right for you or your whole family, regardless of your age.
Who We Help
- Those without employer health coverage
- Looking for COBRA alternatives
- 1099 independent contractors
- Bridging a gap before Medicare eligibility
- Part-time or seasonal workers
- Spouse of someone on Medicare
- Dependent children
When does an individual health plan make sense?
Employer Doesn't Offer Coverage
Looking for COBRA Alternatives
Considering Early Retirement
Employer Doesn't Offer Coverage
If your employer doesn’t offer health insurance benefits, don’t worry. We can assess family and individual plans that provide the protection you are looking for within your budget.
Looking for COBRA Alternatives
Upon leaving an employer, whether from retirement, layoff, etc., it is wise to compare individual health plans to that of COBRA (Consolidated Omnibus Budget Reconciliation Act). Although COBRA allows you to keep your existing health plan benefits, it can come at a hefty cost. Individual plans can be a competitive price solution to COBRA, while also providing potentially very similar benefits. While COBRA typically only lasts 18 months, individual plans can begin within 60 days of losing employer group coverage. Plus, we can help you renew these offerings year after year.
Early Retirees and Spouses of Early Retirees
If you or your spouse are considering early retirement or need to bridge a gap in coverage before Medicare, we’ll guide you through your options. Then when the time comes to transition to Medicare, we’ll continue to assist you through that process. We can help provide coverage “to and through Medicare with ease!
Understand the Basics
Learn how family and individual health plans work, when to sign up, and your costs and coverage with our live or on-demand webinars.
In general, there are two main types of individual health insurance plans that apply to most individuals before Medicare.
Marketplace Plans
A plan from the Health Insurance Marketplace, commonly referred to as Affordable Care Act (ACA) plans, provides private health coverage for individuals or families without employer-sponsored coverage. A Marketplace plan may be the right option if you need coverage for more than one year. These plans provide preventative services at no cost and never ask about previous or current medical conditions.
The monthly cost is individualized and is based on the estimated income of all household members. Most households qualify for tax credits, which is a subsidy based on household size and income. This tax credit could reduce your monthly insurance premium for a Marketplace plan. There is an income number called Modified Adjusted Gross Income (MAGI) that determines the amount of premium subsidy assistance from the government. Learn more about tax credits here.
Short-Term Plans
Short-term plans may be the right option for you if you need coverage for less than a year. These plans often help individuals bridge the gap until their Medicare eligibility. Short-term plans are intended to be used for unexpected and unanticipated medical needs, not for planned care. They do not cover preventative care services. These plans are medically underwritten, meaning you must qualify to be accepted, and do not cover pre-existing conditions.
Additional Coverage Available
We can help you enhance your health plan by adding the following:
- Dental benefits
- Vision coverage
- Hospital Indemnity coverage, which helps with hospital copays. Benefits are paid directly to you to reduce medical or personal costs of a hospital stay.
Gain clarity in 3 simple steps.
Step 1: 5-Minute Phone Assessment
In this brief phone call, we’ll collect key pieces of information that will help us research your coverage options and help answer any questions you may have. Call us today.
Step 2: Consultation with an Advisor
Depending on your situation, we will schedule you to speak one-on-one with a benefit advisor who can help you or a family member enroll in the right plan at the right time.
- Our team takes care of all the difficult tasks for you.
- We conduct research on your behalf to find coverage options that include your preferred doctors, prescriptions, and benefits that align with your needs and budget.
- Additionally, we provide assistance with the enrollment process from start to finish, and all of this is at no cost to you!
Step 3: Enjoy Lifelong Support
We provide top-tier client support that lasts a lifetime. We'll be there to answer any billing or benefit questions, review plans during enrollment periods, and advocate on your behalf. We’ll be there—at no cost to you—ensuring you always have the clarity you want through the guidance you deserve.
We’ve helped more than 50,000 people just like you.
Don't just take our word for it– hear what our clients have to say about choosing RetireMed.