No One Plans To Get Sick Or Hurt, But Everyone Needs Medical Care At Some Point...
An individual health insurance policy is a policy that you purchase directly from a health plan. Premiums are based on your age, zip code, and in some instances, tobacco use. As of 1/01/2014, the Affordable Care Act (ACA) law prohibits insurance companies from discriminating against individuals with preexisting conditions and coverage is issued on a "guaranteed issue" basis.
Open Enrollment is currently closed. However, you may be able to sign up for an individual health insurance policy outside open enrollment if you qualify for a special enrollment.
Most people are now required to carry health coverage that meets the minimum essential coverage guidelines or pay a tax penalty.*
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*RLH Insurance & Benefits does not provide tax or accounting consultative services. Consult with a tax professional.