Individual Plans
Individual health insurance is a type of health insurance coverage
made available to individuals and their families. It is an
alternative for those who do not have access to a sponsored group
plan. Typically, individual plans are underwritten by carriers
using a standard health questionnaire. You may avoid the
underwriting process when exhausting the 18 month COBRA coverage
or another qualifying exception. Please refer to the standard
health questionnaire for the qualifying exceptions.
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Small Business Plans
Health insurance offered through a group, usually an employer or
organization, to a group of people. Group plans spread the cost
among the members of the group, enabling such plans to typically
cost less per person and offer broader coverage than individual
health plans.
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Short-Term Health Insurance
Short-term health insurance plans provide you with coverage for a
limited period of time. It might be an ideal option for those
between jobs or waiting for their health insurance to start.
Typically, they offer durations of 30 days to 12 months. Purchasing
short-term health insurance is not considered credible coverage for
guaranteed issue health plans knows as "HIPAA" plans. HIPAA plans
are generally intended for people with pre-existing medical
conditions who may have trouble getting health insurance otherwise.
Please consult your advisor about the Health Insurance Portability
and Accountability Act (HIPAA). They also do not cover pre-existing
conditions. If you have a medical condition, you may want to
explore whether you can extend your current coverage. Employer
sponsored group plans may have extended coverage under a government
regulated option known as COBRA. If you have a serious medical
condition, you should seriously consider this option.
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