Individual Health
getting to know
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.
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:
CRITICAL ILLNESS INSURANCE OR ACCIDENT INSURANCE
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
HOSPITAL AND DOCTOR FIXED INDEMNITY PLANS
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.
ACA INSURANCE IN A NUTSHELL
- 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
-
I recently moved to FL from CA and Kaufman insurance group adjusted my insurance policy to FL, my new policy is way better and cheaper by more the 60% from the one I had in CA !!! Thank you !!
Sasha Hakiev
November 12, 2024I’ve been with Kauffman insurance for years! From a plan with my family to my own plan with my family and kids. Ms Shirley and Ms Natalie are absolutely fantastic! Allison and Eryca have always been able to assist with any questions or concerns, with so much kindness no matter how many times I’d call. Eryca has been able to solve any issue I’ve ever had with marketplace as well! Such an amazing insurance agency and would absolutely recommend!!!!
Talya Levi
October 17, 2024Allison is the best! She is super helpful and efficiently assists with anything needed!
Sarah Simon
September 14, 2024 -
I am so happy with Shirley and her wonderful team of Agents. They are always so polite and happy to help no matter the problem. I have been with them almost 2 years and never had anything negative to say...Grateful to have met them even if only over the phone. Thank you so much Shirley and All the staff past & present♡God Bless You All! ☆☆☆☆☆☆☆☆☆☆.....💯👍🙏
Teresa Canales
August 14, 2024If I could give them 10 Stars I would unbelievable professionals working here they got us the best insurance in the best price and also care throughout any question or concern or authorization from the insurance to approve things that usually you can't do by your own I want to specially thank Allison that works with them she's been helping our family through all the hard times and insurance problem we ever had with hours on the lines with us and the insurance solving our problems thank you very much there is not enough words that can fit here for the appreciation we have for you and your company! Thank you! 🙏
Menny Bensusan
July 14, 2024Very grateful for the services done by this company. Couldn't be happier with their professionalism and fast responses. I highly recommend Allison and shirly!!
shiri levi
May 14, 2024 -
I can’t thank Shirley and Anthony enough for all the help finding good health insurance! My husband and I are saving money and have great coverage. Anthony was so happy to answer all my questions! What a great team!! Thank you so much!
Debra U
May 14, 2024Working with Allison is always a pleasure! She deserves all the praise in the world! Anytime I need help she is the problem solver. I’ve worked with her for a few years now and couldn’t be more satisfied! Thanks!!
Tim Hinson
May 14, 2024Thank you Allison for being so helpful, fast and professional! Health insurance has always been an overwhelming subject for me, and Allison made it a breeze! She personally helped me choose the absolute best fit plan for my needs, was quick to process everything, and mostly importantly always responds promptly to any questions after I have already signed up, unlike other agents who just send you to speak to directly to the insurer’s call center in India if you have any questions. I 100% recommend this agent for health insurance in Miami and south Florida!
amit erez
April 14, 2024
