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Short Term Medical
Standard Security Life


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1-3 years

Standard Security Life

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Standard Security Life

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Standard Security Life

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Standard Security Life


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Standard Security Life


 

 

Health Insurance Help Center



individual health insurance   

The individual health insurance marketplace is for those who are starting a new business, have lost a job, or for those who retire early.

Individual policies cover one person or a family and generally cost more than employer group policies.

health costs considerations

Premiums health insurance companies charge are in direct relationship to the amount of out of pocket cost the insured is going to assume.

Compare your current and past health condition verses what the deductibles, co-payments, and co-insurance is for the policy you are considering. It is important that the health insurance policy you are considering offers "comprehensive" protection. 

A comprehensive health insurance policy covers most of health care expenses. This includes, doctor visits, preventive services, hospitals stays and surgeries. 

your current and past health history will dictate the premium

All health insurance companies consider your current health condition, medical history, age, gender, residence and occupation before they decide whether to offer you a policy.   If you have or had a serious health condition an insurer can reject you based on pre-existing conditions. If you suffer from less severe conditions, an insurer may offer you a policy with a temporary or permanent exclusion rider, which means, your specific condition won't be covered. Some insurers may cover the condition at an increased price which can be as much as 67% higher than the normal cost.

each state has different rules

Note that where you live matters when you're shopping for individual health insurance because each state has different rules. Buying coverage in the individual market is easier in some states such as Maine, Massachusetts, New Jersey, New York and Vermont, because of protections offered those state resident laws allow them a right to buy health insurance, regardless of their health condition.

guaranteed renewable policy provisions are important

"Guaranteed renewable" means that you have the right to renew the policy annually. "non-guaranteed renewable may end at the end of the policy year or be canceled if you get sick.

Consult a qualified expert before making any decisions about the purchase of health insurance.

The quotes generated by this program are not a contract, binder, or agreement to extend coverage and are based on the listed factors and the applicable underwriting criteria for the rate shown. The exact premium can only be determined after an underwriting review and may be different or the policy may not be available. Your information is only shared with the  company underwriter and never distributed in any other way.
 
All health insurance definitions defined here are to be understood as being general definitions.  These definition may vary by insurance company and may be found in the company policy or certificate of insurance.

 Not all products from all companies are available in all states.

 


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