Individual Health Insurance Quote Forms
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Individual Health Insurance Information
Individual health insurance is an option for people who don’t have health insurance coverage available through their employer. You can typically choose the amount and type of coverage you want. State laws regulate individual health insurance.
At Wimmer Insurance in Detroit Lakes, Minnesota, we understand individual health insurance, as well as dental, vision, and Medicare options. Let us assist you in making important decisions about your future healthcare coverage. Contact us today to learn more about your choices.
Understanding Health Insurance
Health insurance helps cover medical expenses resulting from injuries, illnesses, and medical conditions. Many employers provide several health insurance options as part of their benefits package. They may pay a portion of employees’ premiums, as well. When you have individual health insurance, you choose and pay for the plan independently.
Even after you have health insurance and have paid the premiums, there are certain healthcare expenses you’ll pay out of pocket.
Who Needs Individual Health Insurance?
Deductible: This is the amount of money you must pay toward medical bills each year before your insurance coverage kicks in. Plans have varying deductibles.
Coinsurance: This is a percentage of each medical bill you pay after you’ve paid your deductible for the year.
Copay: This is a flat fee you pay each time you see a doctor. Depending on your plan, you may also pay a flat fee for each prescription.
If you don’t have access to government-run healthcare like Medicare or Medicaid and can’t get health insurance through your (or your spouse or parent’s employer-sponsored healthcare plan), you may need individual health insurance.
How Much Does Individual Health Insurance Cost?
The amount of money you pay for individual health insurance depends on information about the people who will receive coverage under the plan. Rates vary widely, and insurance companies use information about tobacco usage, the ages of the covered people, and your zip code to help determine your premiums. The type of healthcare plan and the amount of coverage included also affect the price.
Health insurance plans are now guaranteed-issue, which means you can’t legally be denied coverage due to a preexisting health problem or condition. Your eligibility for healthcare is no longer dependent on your medical history.
Get Individual Health Insurance Today
Getting healthcare coverage doesn’t have to be complicated. Contact the health insurance experts at Wimmer Insurance today to learn more about your options and get a quote.