Individual & Family Health Plans
Individual Health Insurance
Simply put, health insurance is protection against medical costs; costs that keep rising without regard to the health care reform act. 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.
Family Health Insurance
There is no difference between a family plan and an individual plan in most cases. However, the different policies may have limits to the deductible and co-insurance depending upon the number of people on the policy.
Self Employed Health Insurance
There is no difference between a self employed plan and an individual plan or a family plan in most cases. However, the different policies may have limits to the deductible and co-insurance depending upon the number of people on the policy.
If you have your own business and need coverage for your employees you can visit our group health insurance page: