Individual Health Plans
If you don’t have access to group health insurance, you can purchase your own plan that covers you and your family. For example, if your employer doesn’t offer group coverage or you work part time and don’t qualify for an employer’s plan an individual policy is a cost effective alternative. Individual health insurance is owned by the policy holder and is purchased to cover medical expenses for illnesses, injuries and medical conditions for themselves and/or their family members.
When purchasing individual health insurance, you’re in control. It’s relatively easy to plan because you and your family are the only people you need to consider. You own the policy and coverage is not dependent on employment. Your coverage doesn’t have to change if you leave your current job or retire.
For more information on deciding if individual health insurance is right for you, click here.
*Note: Some employers would like to pay directly for an employee’s individual health insurance plans, but doing so may put the business out of compliance with federal regulations leading to costly fines under section 4980D of the Internal Revenue Code. Employers who wish to contribute to their employees’ health plan should purchase a group plan. For more information on ODASC’s group plan, the ODA Wellness Trust, click here.
ODASC can help you find an individual insurance plan that’s right for you
ODASC representatives are here to make your insurance purchase a simple, pressure-free experience. We are licensed insurance agents and can walk you through the various insurance options available. We are salary-based and do not make a commission, so you can be assured we have your best interest at heart.
We can provide you with private health insurance quotes from multiple companies with various plans and deductible levels that do not come from healthcare.gov.
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