Individual health insurance is health coverage that is purchased by an individual or a family that is not tied to a job or a group of policyholders.
The ACA (Affordable Care Act) requires most individuals to obtain acceptable health insurance coverage for themselves and their family members or pay a penalty. If you are covered under an individual health plan, or if you are currently covered by a government program such as Medicare, you can continue to be covered under those programs.
There is a tax penalty, or fee, for individuals who do not obtain health insurance by the time they file their taxes. In addition to the penalty, people without health insurance will still be responsible for 100 percent of the cost of their medical care. The fee schedule is as follows:
For 2017 and beyond, the penalty will be adjusted for inflation.
There are a very limited number of exceptions to the insurance mandate, mainly affecting non-citizens, American Indians, incarcerated individuals, religious objectors, and people suffering from poverty or hardship. Exceptions are also available for people with short gaps in coverage of less than three months.
We work with all of our individuals on a case by case basis. We use in-take information provided to match you with the best plan to meet your care and financial needs. We are licensed Federally Facilitated Marketplace (FFM) agents to assist individuals with no additional cost to them or their premium.