What is individual health insurance?
There are several types of health care plans and one option is to choose individual health insurance coverage. Individual health insurance coverage is separate from group insurance which is provided through an organization or employer. Individual health insurance is insurance that is purchased on an individual basis. You may purchase individual health insurance coverage for yourself or family, however, these policies are often more expensive than choosing group coverage. Many people choose individual coverage because they do not qualify for group coverage. Those who are self employed often purchase individual coverage.
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Individual health insurance is health coverage you buy for yourself if you are not covered by either your current employer’s health plan or by your former employer’s plan under COBRA (detailed below). You can buy an individual health plan from the Montana Health Insurance Assistance Program. (MHIAP) You will not face a new preexisting condition exclusion period. You can also buy insurance from MHIAP if you have been turned down by a health insurance company and meet other qualifications. In this case you may face a new preexisting condition exclusion period.
Related Questions
- I am married to another Nassau County employee and we do not have any children. Can we get two individual health insurance policies instead of one family policy?
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