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Idaho Individual Health Insurance Plans

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Individual Health Insurance Plans

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What could be more important than preparing for the unexpected? When it comes to medical costs, you can pay dearly if you do not have health insurance. Individual Health Plans are made for those who want to personalize their coverage and are not covered through their employer or a government plan like Medicare. Individual Health Plans can be known by many different names. ACA, Affordable Care Act, Obama care, Access plans, and more. There are also many different options based on your individual needs. Teton Medicare is here to help you navigate your options and work with State and Federal rules and enrollment periods. Keep in mind that if you have Medicaid from your state, there are also rules and policies specific to you. 

What Is Individual Health Insurance?

woman - health insurance companies providing cheapest health insurance exchange to idaho residentsShot of a female nurse discussing paperwork with her senior patientIndividual Health Insurance is for those who do not already receive health benefits from an employer. Family insurance falls in the same category as paid for by the insured and not through a third party. This insurance will apply for medical visits and hospital procedures, and the plan will pay for a set portion of covered services, leaving you with copayments, monthly premiums, and an out-of-pocket yearly deductible, after which the plan will pay 100%. Without health insurance, an unexpected medical emergency can quickly lead to financial difficulties and dwindle your savings.

How Much Health Insurance Costs

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Monthly premiums for individual health policies tend to be higher compared to the group plans from employers. The 2020 national average for an individual health insurance premium is $456 per month. Depending on the plan’s benefits, the copayments and the deductible may vary considerably between different plans.

What Does Individual Health Insurance Cover?

State law regulates individual health policies to give you adequate health coverage for preventive care, medically-necessary procedures, and emergency services. Doctor’s visits, prescription drugs, and some specialist care are covered. There are a variety of plan options that can be specified for hospitalization or more broad care. Plans may have a network, in which case seeing healthcare providers in the network will result in lower costs. There are also plans that could cost you significantly less if you qualify for a subsidy. Call us today to book your Good News Appointment so we can look at options specific to you!

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