Guiding You to Smarter, More Effective Solutions
Individual health insurance plans are designed for people who don’t receive coverage through an employer or government program like Medicare or Medicaid. Whether you’re shopping on the federal Health Insurance Marketplace, a state-run exchange, or directly through an insurer, we provide guidance to help you find the right plan for your needs and budget.
Key Types of Individual Plans
Individual health insurance comes in several structures that determine how you access care and what you’ll pay. Understanding these plan types helps you find coverage that fits your healthcare needs and budget.
HMO
Health Maintenance Organization
Care limited to a network; specialist visits typically require a referral.
PPO
Health Maintenance Organization
Flexibility to see in-network or out-of-network providers; higher costs out-of-network.
EPO
Exclusive Provider Organization
Only covers in-network providers except in emergencies.
POS
Point-of-Service
Pay less for in-network care and get referrals for specialists, combining HMO and PPO features.
Understanding the Marketplace Metal Tiers
Marketplace health plans are grouped into “metal tiers,” which show how you and the insurance company share the costs of your care. The tier doesn’t reflect the quality of coverage—it simply helps you compare how much you’ll pay in premiums versus out-of-pocket expenses.
Platinum
90% covered by plan, 10% by you. High premiums, low out-of-pocket costs.
Gold
80% covered, 20% by you. Higher premiums, lower costs when you need care.
Silver
70% covered, 30% by you. Moderate premiums; eligible individuals may qualify for cost-sharing reductions.
Bronze
60% covered, 40% by you. Lowest premiums, highest costs when care is needed.
Catastrophic
Low premiums, very high deductibles, for people under 30 or those with a hardship exemption.
Why Work With US
We make individual health insurance simple and personalized. From helping you understand plan options to navigating cost-sharing, we provide the support and insights you need to confidently choose coverage that protects your health and your finances.
Other Individual Insurance Products
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Dental
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Vision
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Life
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Short-term Disability
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Long-term Disability
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Accident
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Critical Illness
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Hospital Indemnity
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Long-Term Care
Other Individual Service
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Financial Consultations
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Retirement Consulting
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Budget & Debt Consulting
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Life Insurance Needs Analysis
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Disability Insurance Needs Analysis
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Long-Term Care Insurance Planning
