Individual health coverage that fits your life.
Life changes — a new job, a growing family, a move — often mean a change in coverage. We help you organize individual and family health insurance around what matters most: timing, network, and total cost. Start the conversation and we'll send you a verified secure link to continue.
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Start your secure application with our team. We'll guide you through each step and send you a verified link to continue — no obligation, and talking with us is always optional.
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
A concise, durable summary of this coverage area — the facts that hold regardless of market timing or plan availability.
- 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.
