Individual Health Plans

Promise Insurance Services can help you find great individual health insurance plans in your area. As a licensed insurance broker, our advisors are available to help guide you through the process of finding a plan and connect you with a carrier that provides comprehensive coverage at affordable prices.

Affordable plans for everyone

Thanks to the Affordable Care Act you no longer need to worry about finding affordable health insurance plans. The ACA helps make sure that not only are premiums kept affordable but also that the majority of your premium costs will go towards ensuring that you receive great care.

Guaranteed Enrollment

Health insurance companies can no longer deny you coverage or charge you higher premiums based on your current or past health problems. In addition, they must also provide coverage for any pre-existing conditions, meaning you’ll have guaranteed access to a wide range of plans.

Coverage at the level you want

Individual health insurance plans come in a range of levels, whether you’re looking to keep you premiums as low as possible, or would prefer to minimize your out-of-pocket costs by paying a little extra a month there is a plan level to suit your needs. All plans offer coverage for care considered an essential benefit by the ACA, this means that you can rest assured that whatever plan you choose it will cover your basic healthcare needs.

Plans come in four main metal levels:

BRONZE:

Pays around 60% of healthcare costs

SILVER:

Pays around 70% of healthcare costs

GOLD:

Pays around 80% of healthcare costs

PLATINUM:

Pays around 90% of healthcare costs

In addition there are also catastrophic plans available for people under 30 or those with a hardship exemption. Although metal plans will pay a fixed percentage of costs, the specific coverage for each area of care can vary by carrier. Compare plan details carefully to ensure you find a plan that best suits your needs.

Get help with premium costs

Subsidies towards premium costs for individual plans are available in every state. In general, to qualify for a subsidy your household income must be between 100 and 400 percent of the Federal Poverty level. Additionally you may also be eligible for a plan with lower cost-sharing levels to help reduce your out-of-pocket costs. Promise Health Insurance can help you check to see if you will qualify for either of these cost reduction options.

Enroll today

Enrollment is now open for Obamacare individual health plans. Request a quote today to compare your plan options online or call to speak to one of our agents directly. We’re here to help you find a great plan.