Private Health Insurance
Private health insurance allows you to choose your own health plan benefits rather than being forced into a benefits package from an employer. You have the freedom to choose your own copays, deductibles, and rates. Affordable health insurance plans are available from many different carriers.
Ready to explore your options? Compare plans from every carrier in the country now by clicking the orange get quotes button at the top right of this site.
Personal Health Insurance
Personal health insurance makes you aware of the benefits you will be receiving. Therefore, you will want to understand your plan as much as possible before buying health insurance. The more you understand the health plan the better the savings will be.
Private Health Insurance for Personal, Individual, Family, Self Employed
Coinsurance – The dollar amount that the private health insurance plan and you pay for covered benefits after the deductible is paid.
Copayment (Copay) – A fixed dollar amount that you must contribute toward the cost of covered personal health insurance services under a health plan. For HSA compatible plans, copayment will apply to your out-of-pocket max.
Deductible – A fixed yearly dollar amount you pay before the benefits of the plan policy start. Not applicable to copays.
Exclusions and Limitations — Specific conditions or circumstances that are not covered under a private health insurance plan.
Out-of-Pocket Maximum – The amounts such as coinsurance and deductibles that an individual is required to contribute toward the cost of health services covered by the benefits plan before the personal health insurance plan pays 100% of additional out-of-pocket costs.
Premium – The amount charged for a health insurance policy or health benefits plan on a monthly basis.
Pre-existing Condition – A health condition or medical problem that was diagnosed or treated (including the use of prescription drugs) before getting coverage under a new insurance health plan.
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