Health Insurance
Health Insurance through the Marketplace can cover everyone, even those with pre-existing conditions. The programs are designed for individuals and families who cannot obtain health insurance through an employer.
We offer a range of policies for individuals & families
Employer-Sponsored Health Insurance: Many employers offer health insurance plans as part of their employee benefits package. These plans typically provide comprehensive coverage and may be partially or fully subsidized by the employer.
Individual Health Insurance: Individuals who don’t have access to employer-sponsored coverage or who prefer to purchase their policy can buy individual health insurance plans directly from insurance companies or through the Health Insurance Marketplace.
Health Maintenance Organization (HMO): HMO plans typically require members to choose a primary care physician (PCP) and obtain referrals from the PCP to see specialists. These plans often have lower premiums but restrict coverage to a network of healthcare providers.
Preferred Provider Organization (PPO): PPO plans offer more flexibility in choosing healthcare providers. Members can see any provider within the plan’s network without a referral and seek care outside the network, although at a higher cost.
Exclusive Provider Organization (EPO): EPO plans combine features of HMOs and PPOs. They require members to use in-network providers for coverage but usually don’t mandate a primary care physician or referrals for specialist care.
Point of Service (POS) Plans: POS plans allow members to choose between in-network and out-of-network care. They typically require specialist care referrals but offer greater provider choice flexibility than HMOs.
High-Deductible Health Plans (HDHPs): Compared to traditional health insurance plans, HDHPs have lower premiums but higher deductibles. They are often paired with Health Savings Accounts (HSAs), which allow members to save pre-tax dollars for qualified medical expenses.
Catastrophic Health Insurance: Catastrophic plans are designed to cover major medical expenses and typically have low premiums but high deductibles. They’re generally available to individuals under 30 or those who qualify for a hardship exemption.
Short-Term Health Insurance: Short-term plans offer temporary coverage for individuals between jobs or waiting for other coverage to begin. They typically provide limited benefits and may not cover pre-existing conditions.
Medicare and Medicaid: Government-sponsored programs, Medicare and Medicaid, provide health insurance coverage for eligible individuals. Medicare primarily serves seniors aged 65 and older, while Medicaid serves low-income individuals and families.
