Many different situations result in clients needing individual coverage. Typically, our individual clients run into the following situations that require individual health insurance policies:
1. Children becoming ineligible for a parent's group plan.2. Exhausting coverage through COBRA or state continuation coverage.
3. COBRA coverage is too expensive.
4. No coverage between jobs.
These and other situations arise that require some form of individual coverage. We can usually help with the following:
Short-Term Individual Policies - Generally cheaper than other coverages, and can be continued for up to 12 months.
Long-Term Individual Policies - Generally, these are needed when the client does not anticipate gaining coverage through an employer or a state program. Includes HSA-eligible designs, PPO designs, and basic coverage designs.
