Protecting What Matters Most: Individual and Family Insurance

The cost of individual health insurance can vary widely based on several factors, including your location, age, health status, and the level of coverage you choose. Individual health insurance plans can range in cost from $20 to $500 or more per month.

You can purchase an individual health insurance plan during open enrollment or during a special enrollment period. To qualify for a special enrollment period, you must have a qualifying life event, such as loss of current coverage or a change in marital status. Check our list of qualifying life events to see if you’re eligible.

When choosing an individual health insurance plan, consider whether you’re insuring just yourself or your family, as bulk plans might offer discounts. Decide if you’ll get insurance through your employer, which can be cost-effective but may offer fewer options, or purchase it independently.

Focus on key factors like deductibles, premiums, co-pays, and coinsurance, as these will affect your coverage and costs. For more guidance, consult with us or visit eHealth’s resource center for additional information.

Processing for major medical plans usually takes about three weeks after enrollment and initial payment. Timelines can vary based on when you enroll and the type of plan. Short-term plans often provide quicker coverage. For more details, see our article on the health insurance application process.