Health Insurance

Navigate the confusing world of health insurance with help from an independent agent. Serving the Greater Salt Lake City area and all of Utah. 

What is an Individual/Private Health Insurance Plan?

An individual health insurance plan is a type of health insurance coverage that is purchased by an individual for themselves or their family.

Unlike employer-sponsored health insurance, which is provided by an employer, an individual health insurance plan is directly obtained by an individual from an insurance company or through the health insurance marketplace.

It offers coverage for medical expenses, such as doctor visits, hospital stays, prescription medications, and preventive care.

Individual health insurance plans provide individuals and families with the flexibility to choose a plan that best fits their specific needs, budget, and preferred network of healthcare providers.

These plans are typically available to self-employed individuals, those who don’t have access to employer-sponsored coverage, or individuals who prefer to have their own independent coverage.

How Does Individual Health Insurance Work?

Individual health insurance works by providing individuals and their families with personal coverage for medical expenses.

Individuals select a plan that aligns with their needs and budget, either purchasing it directly from an insurance company or through the health insurance marketplace.

Policyholders pay regular premiums to maintain coverage, and there is typically a deductible that must be met before insurance coverage kicks in.

Once the deductible is reached, individuals may be responsible for copayments or coinsurance for covered services.

Individual health insurance plans often have networks of preferred healthcare providers, and coverage typically includes a range of services such as preventive care, hospital stays, doctor visits, and prescription medications.

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When You Can & Can’t Buy Health Insurance

The ability to purchase health insurance outside of specific periods depends on certain factors. Generally, enrollment is limited to designated Open Enrollment periods, often occurring from November to December for Marketplace health insurance. However, you may be eligible to enroll at any time if you experience a qualifying life event.

Qualifying Life Events

• Loss of Health Coverage: This includes aging out of a parent’s plan, losing employer-based coverage, no longer qualifying for a student plan, or experiencing the loss of current coverage for any other reason.
• Change in Household: Qualifying events include someone in your household getting married, divorced, adopting a child, or passing away.
• Change in Residence: If you change your ZIP code, move to or from seasonal work or school, or transition between shelters or other transitional housing.
• Other Qualifying Events: This category encompasses significant changes in income, gaining federally recognized tribal membership, being released from incarceration, and more.

Please note that these are some of the most common qualifying life events, but not an exhaustive list. For a comprehensive list of qualifying life events, please visit healthcare.gov.

Open Enrollment

During the designated Open Enrollment period, individuals can purchase health insurance without needing to have a qualifying life event. For the year, this period will extend from November 1st to January 15th.