Individual Private Insurance
Individual health insurance is health insurance that you buy outside of a workplace. As of the end of open enrollment for 2016, approximately 12.7 million Americans bought their own insurance through the federally facilitated Marketplace or state-based Marketplaces. You can buy plans that cover an individual, a couple, or a family.
With implementation of the Affordable Care Act, all people are now required to have health insurance, unless they qualify for an exemption. Financial help is available to lower your premiums and out of pocket costs depending on your income if you buy coverage through the Marketplaces.
Insurance companies continue to offer health plans outside the Marketplace as well, but remember that these plans are NOT eligible for discounts on premiums and out of pocket costs.
Has your insurance company denied a claim? For information and help on filing an appeal, check out our guide!
For more information, or if you have questions about anything in this Guide, please contact us. You can call the Helpline at 1-800-965-7476 (TTY: 1-877-362-9570) or email us.