Individual Health

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Individual Health

What Are My Health Insurance Options?

When it comes to health insurance, nearly half of all Americans get health coverage from an employer, and another third get their coverage from Medicare or Medicaid or both. And a little more than 5% buy their own coverage through a health insurance exchange or they shop outside the exchange.

If you’re looking for individual or family health insurance outside of an employer-sponsored plan or a government-run plan, the search can be tricky. You have to compare health insurance plans and not just look at premiums. There’s the out-of-pocket costs, such as deductibles, copays and coinsurance, that need to be evaluated.

Before you begin those searches, take a look below at our guide to help you understand and find the best coverage through a complex

We help you design the health coverage you want.

Let us find the right health plan for you or your family. There are a lot of choices. We’ll go over the options and select coverage that fits your needs and budget.

Happy family

Health Insurance doesn't have to be difficult

Need coverage now – short term health insurance

If you have lost coverage or coming off another insurance, short term medical insurance might work as the right health plan for you while you find more permanent health coverage. Often called term medical insurance or temporary medical insurance, short term medical plans are designed to give health coverage for several months.

These include:

  • Can help with the financial strain that often comes with unexpected injury or illness.

  • Critical Illness insurance, also called critical care insurance or critical illness coverage, pays a lump sum cash benefit following diagnosis of a qualifying illness like cancer or a stroke or heart attack

  • Pays a predetermined amount of cash after you receive a specific medical service covered by the plan.

  • Plans vary in what’s covered, and most don’t cover anything related to preexisting conditions.

  • Generally, you can apply any time but must answer a series of medical questions to qualify.

  • Pays benefits regardless of other coverage. The cash you get can be used to help offset expenses not covered by your main insurance.

Coverage for the long term – Affordable Care Act (ACA) plans

Commonly called Obamacare, ACA coverage may not always seem like affordable health insurance at first. However, if you have preexisting conditions or need medical coverage for an extended period of time, an ACA plan may be your best option. It can even be less expensive than you think if you qualify for a tax credits or subsidies.

  • Guaranteed issue. You can’t be turned down for coverage or charged more based on preexisting health conditions.
  • Tax credits and subsidies could help with your costs depending on how much you earn.

  • Plans cover a consistent set of 10 essential health benefits, including preventive care, maternity care, and prescription coverage.

  • Unless you qualify for a special enrollment, you must enroll during the annual open enrollment, usually in November and December.

What our clients are saying

  • Eryca & Natali were exceptionally helpful. With this being my first time ever having to do this with never being taught they made the process smooth and less stresssful. They are very professional and I would definitely recommend them.

    Jay Avatar Jay
    November 14, 2023

    KIG WAS amazing, super helpful, answered all of my questions and got back to me in a timely manner. Anthony was my agent- the best the have. Highly recommend working with Anthony. Hes timely, responsive, respectful, and makes sure you truly understand your plan. Thank you KIG!

    Amanda Landers Avatar Amanda Landers
    October 20, 2023

    Eryca is Always happy to help me out with anything ..she’s made things for me so much easier..

    Frankie Irizarry Avatar Frankie Irizarry
    October 20, 2023
  • I have only had the best experiences with this insurance group.

    Marissa Helman Avatar Marissa Helman
    October 20, 2023

    Great insurance office great ppl very helpful

    Asi Loloi Avatar Asi Loloi
    October 20, 2023

    We found out we’re expecting and they helped us get the insurance and went the distance to find accepting doctors in our area! Highly recommended, made a stressful scenario go by with ease!

    dean albright Avatar dean albright
    August 20, 2023
  • My agent Crystal Middleton is a Godsend. She has helped me thru all my paperwork. Were it not for her I would be totally lost.Thank you for everything Crystal God Bless You...

    Charles Burton Avatar Charles Burton
    July 20, 2023

    Eryca was amazing and so much help a special thank you to her she was so patient especially because my English is no good great communication skills I really appreciate her -Hagit mamia

    Baking with Avigail Avatar Baking with Avigail
    July 20, 2023

    Excellent service. Crystal is very knowledgeable, professional & personable. All my options were explained & all my questions answered. I have and will continue to refer friends and family.

    Pietrina Pensabene Avatar Pietrina Pensabene
    July 20, 2023
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