Individual Health Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Individual Health Insurance Information
Individual health insurance is crucial for protecting our physical well-being and financial stability. By recognizing the importance of such coverage, evaluating essential factors when selecting a plan, and efficiently navigating the enrollment process, individuals can obtain insurance that aligns with their requirements and offers reassurance in an uncertain environment.
What Is Individual Health Insurance Coverage?
Individual health insurance, sometimes known as private health insurance, offers coverage that individuals or families obtain directly from insurance companies. Unlike group health insurance plans provided by employers or organizations, individual plans are tailored to meet the policyholder's specific needs and circumstances.
How Much Does Individual Health Insurance Cost?
The following factors may influence the cost of individual health insurance plans:
- Age—Premiums can be higher for older individuals compared to younger ones.
- Location—Where you live can significantly affect premiums due to differences in competition, state rules and cost of living.
- Tobacco use—Insurers may charge tobacco users more than nontobacco users.
- Family enrollment—Plans covering spouses and dependents may cost more.
What Are the Types of Health Insurance Policies Available?
Health insurance plans come in various forms, generally with unique rules and restrictions. The following are some of the different types of health insurance plans:
- Health maintenance organization (HMO) plans
- Preferred provider organization (PPO) plans
- Point of service (POS) plans
- High deductible health plans (HDHPs)
- Exclusive provider organization (EPO) plans
Where to Get Individual Health Insurance
Contact Wimmer Insurance Services to discuss your health insurance options. Our agency can assess your circumstances and walk you through these different choices, finding a plan that best suits your needs.