Flexible coverage built around your life.
Individual Health Insurance
Individual health plans offer the protection you need. We help individuals across California choose health insurance plans that match their needs, budget, and lifestyle.
Protection for every stage of life.
What’s Included
Individual health insurance plans provide coverage for a variety of medical needs, from preventive services to emergency care. These policies are a vital tool for staying healthy, managing expenses, and protecting yourself from unexpected costs. We’ll guide you through all your options so you feel confident in your choice.
01
Preventive Care
Annual exams, vaccinations, screenings, and wellness checks to catch health issues early.
02
Doctor & Specialist Visits
Coverage for primary care and specialty care, including referrals and consultations.
03
Hospital & Emergency Services
Helps cover costs related to ER visits, hospital stays, surgeries, and urgent care needs.
04
Prescription Drug Coverage
Access to medications with tiered copays or coinsurance, depending on your plan.
05
Mental Health Services
Support for therapy, counseling, and psychiatric care under many modern plans.
06
Maternity & Newborn Care
Coverage for pregnancy, delivery, and postnatal care if included in the selected plan.
Why Individual Health Coverage Matters
Life doesn’t always follow a traditional path—and neither should your insurance. Individual health plans give you the flexibility to maintain coverage through career changes, self-employment, and life transitions. Having the right health insurance protects your savings, promotes preventive care, and gives you peace of mind that you’ll have support when you need it most. In California, where healthcare costs are among the highest in the country, having strong, affordable coverage is essential.
Individual Health Insurance FAQs
Who should consider individual health insurance?
Anyone not covered by an employer-sponsored plan or government program like Medicare should consider individual coverage. It’s especially valuable for freelancers, early retirees, and those between jobs. We help you compare options based on your health needs, family size, and financial goals.
How do I know which plan is right for me?
Choosing the right plan depends on factors like your preferred doctors, medications, budget, and how often you use care. We help you weigh premiums, deductibles, networks, and benefits so you find a plan that fits your lifestyle without overpaying.
Can I qualify for financial assistance to help pay for my plan?
Yes, many Californians qualify for subsidies through Covered California based on income and family size. We’ll help you determine eligibility and guide you through the enrollment process to maximize savings.
When can I enroll in an individual health plan?
Open Enrollment typically runs from November to January, but you may qualify for Special Enrollment after major life events like job loss, marriage, or birth. We make sure you know your options and deadlines so you don’t miss critical enrollment periods.
Does individual health insurance cover pre-existing conditions?
Yes. Under current laws, all ACA-compliant plans must cover pre-existing conditions with no denial or increased rates. We ensure you select plans that fully protect your health history and future care needs.