Individual health coverage that fits your life.
Explore individual and family health coverage around your doctors, budget and timing. Request the right secure enrollment link, with licensed guidance when you need it.
Need an enrollment link for Individual Health?
Request the right secure enrollment link for your coverage. We'll confirm the appropriate destination and send it to you; the application is completed there. Advisor help is optional.
General inquiries only by email or phone. Do not send private benefits records. For benefits service, use SSGI One. Access help · Privacy
Individual & family health
The fit is more than the premium
- Timing
- Network
- Total cost
Three decisions shape most individual and family health coverage choices.
Life events that change your coverage
Individual health insurance most often comes into play around a change in work or family. These transitions are also what open a special enrollment window.
Leaving an employer plan
A job change, layoff, or retirement often ends group coverage. Individual health insurance can bridge the gap and keep you protected through the transition.
Starting a business
Self-employment means arranging your own coverage. Individual plans give you a path to major medical protection outside an employer.
Growing your family
Marriage, a new baby, or a child turning 26 can shift who needs coverage and when. These events often open a special enrollment window.
Moving to a new state
Relocating changes your plan options and network. A move is a qualifying event that lets you enroll outside the usual window.
Three ways to get covered
Each path balances cost, coverage, and eligibility differently. Most individuals and families start with the Marketplace.
ACA Marketplace plans
Plans that meet Affordable Care Act standards, covering essential health benefits and pre-existing conditions. Many people qualify for premium tax credits based on income — the primary path for most individuals and families.
Off-exchange plans
ACA-compliant plans sold directly by insurers outside the Marketplace. They meet the same standards but don't accept premium tax credits — sometimes a fit when exchange options don't.
Limited-duration plans
Temporary coverage meant to bridge a short gap. Not ACA-compliant, often excludes pre-existing conditions, and carries benefit caps. Useful in narrow situations, not a substitute for major medical.
Timing, network, and total cost
Beyond the monthly premium, three factors shape which plan fits. We help you weigh them together.
Timing
Open Enrollment is the main window to enroll. Qualifying life events — losing coverage, moving, marriage, a new baby — open a Special Enrollment Period. Knowing your window shapes your options.
Network
Check whether your doctors and preferred hospitals are in a plan's network. Out-of-network care usually costs more — or isn't covered at all.
Total cost
ACA Marketplace plans are grouped into metal tiers — Bronze through Platinum — that describe how costs are split between you and the insurer. A lower monthly premium often means higher out-of-pocket costs when you need care.
What you should know
- The page covers individual and family health insurance options.
- SSGI advisors help individuals compare coverage.
Frequently asked questions
Ready to organize your coverage?
Start the conversation with our team. We'll help you understand your options and send you a verified secure link to continue — on your schedule.
This requests guidance; it is not an insurance application or enrollment. Provide basic contact details only. Do not include medical history, prescriptions, member IDs, Social Security numbers or private benefits documents. A licensed advisor can identify the appropriate next step.