Individual health insurance helps cover health care costs.

The best individual health insurance plan depends on age, income, location, preferred doctors, and prescriptions. YourMedPlan compares different types of individual & family plans from various carriers to identify the lowest-cost plan that includes a client’s preferred providers and medications.

The ACA Open Enrollment Period runs from November 1 through January 15 each year in most states. Enrollments completed by December 15 take effect January 1 of the following year. Enrollments completed between December 16 and January 15 take effect February 1 of the following year.

Eligibility for an ACA premium tax credit depends on household income, household size, and access to affordable employer or government coverage. YourMedPlan agents estimate eligibility based on projected income and can direct members to apply credits directly to monthly premiums.

ACA Marketplace plans use four metal tiers to show how the insurance company and the member share covered medical costs. Bronze plans carry the lowest monthly premiums but often leave members paying the most out-of-pocket when they receive care. Silver plans sit in the middle on both premiums and out-of-pocket costs, and Silver also unlocks cost-sharing reductions for eligible enrollees. Gold plans cost more each month but lower the out-of-pocket share when members use care. Platinum plans carry the highest monthly premiums and the lowest out-of-pocket costs.

Yes, qualifying life events trigger a Special Enrollment Period (SEP) that allows enrollment outside the standard Open Enrollment window. Common triggers include marriage, the birth or adoption of a child, loss of job-based coverage, moving to a new ZIP code or state, and changes in income that affect subsidy eligibility. YourMedPlan can help determine if you qualify for an SEP.

HMOs require members to choose an in-network primary care physician and obtain referrals for specialists. PPOs allow more flexibility to see out-of-network providers at a higher cost. EPOs cover only in-network care but typically do not require referrals. Plan type affects monthly premiums, provider choice, and total out-of-pocket costs.

Yes, YourMedPlan offers short-term medical plans for clients who need temporary coverage between jobs, after aging out of a parent’s plan, or while waiting for an Open Enrollment Period to begin. Short-term plans typically cost less than ACA Marketplace plans but do not cover pre-existing conditions or all essential health benefits.

Yes, YourMedPlan offers stand-alone individual dental insurance and vision insurance that members can add to any ACA Marketplace plan or carry independently. Coverage helps offset routine cleanings, exams, glasses, contact lenses, and major dental procedures that most medical plans do not cover.

YourMedPlan is an authorized Florida Blue agent and helps Florida residents compare individual, family, and Medicare options based on county-specific networks and pricing.

Self-employed individuals are not legally required to carry health insurance under federal law, but uninsured medical bills can quickly lead to financial hardship. The ACA Marketplace offers some tax-credit-eligible plans tailored for self-employed workers, freelancers, and small business owners without group coverage.

COBRA lets former employees continue group coverage for up to 18 months after losing a job, but the employee pays the full premium plus a 2 percent administrative fee. ACA Marketplace plans with subsidies often cost less than COBRA, so YourMedPlan agents compare both options side-by-side before recommending coverage.