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Personal Insurance

Benefits Broker, Inc. has vast resources to simplify the process of obtaining insurance coverage for you and your family. If you are in need of an individual policy, meaning health coverage that is purchased by you as the individual and it not tied to your job or a policyholder, we can assist. We represent a number of insurance carriers, enabling us to offer a wide range of plans. Our services include designing, administering and servicing benefit plans. We continuously review information regarding new and different insurance carriers and types of coverage that can satisfy your needs.

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Many people get health insurance through their employers. However, if you do not currently participate in your employer's health plan, or if your employer doesn't offer coverage, obtaining individual insurance is a good route to go to ensure that you and your family will receive affordable routine health care and will be protected from very high costs in the event of a medical emergency.

Obtain Insurance in the Individual Market

 

 

Obtaining an individual policy can be expensive. Before purchasing, it is important to show around for the best plan with the lowest premium. In general, a low premium means higher out-of-pocket costs when you need care; a high premium means lower out-of-pocket costs. You'll want to make sure you are covered in case of a major medical accident and also for preventive care.

 

 

If your spouse or domestic partner has an employer-sponsored plan that is open to family members, consider joining and enrolling your children. The ACA extended coverage for young adults up to age 26 on plans offering dependent coverage, regardless of their marital or student status.

Get on Your Parent's or Spouse's Plan

 

 

Every plan covers a core set of 10 essential health benefits, which include emergency, prescription drug, and mental health services. Additionally, all plans offered must provide free preventive care, with 100 percent of the costs paid for by the insurance carrier.

 

Coverage policies are broken down into four categories: bronze, silver, gold, and platinum. The category you choose affects how much your premium costs each month and how much you pay for things like hospital visits or prescription medications. 

 

Under the ACA, no qualified health plan can refuse to cover people with pre-existing conditions. You will have guaranteed coverage and renewability, regardless of a pre-existing condition, gender, age, etc. There is also a "catastrophic" plan option available to young people.

Individual Coverage

 

 

If you recently left your job or hand your hours reduced and were subsequently dropped from employer-based coverage, you may be able to obtain coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA).

 

After you leave your job, your former employer no longer pays for any of your insurance costs. Therefore, when you have COBRA coverage, you have to pay the entire premium yourself, plus a small administrative fee. 

Obtain Insurance Through COBRA