Individual and Family Insurance

When it comes to protecting your health and the health of your family, having the right health insurance coverage can make all the difference. But with so many plan types, terms, and deadlines to navigate, it's easy to feel overwhelmed.

Whether you're self-employed, between jobs, or simply exploring better options, here's what you need to know about individual and family health insurance.

Thanks to the Affordable Care Act (ACA), a comprehensive reform law that increases health insurance coverage for the uninsured and implements reforms to the health insurance market. Getting quality health insurance for individuals and their families has gotten just that much easier.

What is Open Enrollment for Health Insurance?

Open enrollment is the time of year when you can sign up for or switch health plans. Applies to you if you are not covered through your job, Medicaid, or other programs. Limited time window to purchase insurance coverage. Open enrollment currently begins November 1.

Individual and family health insurance refers to health coverage you purchase on your own, not through an employer. It's designed for:

• Self-employed individuals

• Gig workers and freelancers

• People without access to employer-sponsored plans

• Families who want better or more affordable coverage

Plans are available through the Health Insurance Marketplace (Healthcare.gov), private insurers, and brokers like AEC Insure.

What Do These Plans Typically Cover?

Most plans cover:

• Doctor visits and preventive care

• Prescription drugs

• Hospital and emergency services

• Pediatric care and maternity

• Mental health services

Thanks to the Affordable Care Act (ACA), all Marketplace plans must include 10 essential health benefits, and you can't be denied coverage for pre-existing conditions.

How Much Do These Plans Cost?

Your monthly premium depends on:

• Where you live

• Your age and household size

• Income (you may qualify for subsidies!)

• Plan Tier: Bronze, Silver, Gold, or Platinum

Many families qualify for cost-saving subsidies that significantly reduce premiums and out-of-pocket costs. Especially if applying during Open Enrollment or a Special Enrollment Period.

How to Choose the Right Plan

Here are some key things to consider when comparing plans:

• Monthly premiums vs. deductible: Can you afford higher premiums for better coverage, or vice versa?

• Your provider network: Are your doctors and hospitals in-network?

• Prescription needs: Does the plan cover your current Medications?

• Family coverage: Make sure dependents are fully protected under the plan.

Working with a licensed broker can help simplify the process at no extra cost to you.

When Can You Enroll?

You can enroll:

• During Open Enrollment (usually Nov 1 through Jan 15)

• After a Qualifying Life Event (like losing job-based coverage, getting married, or having a child)

Missed the deadline? You may still be eligible for short-term coverage or alternative plans.

Need Help Finding the Right Plan?

Choosing the best health insurance for your family doesn't have to be stressful. At AEC Insure, we help individuals and families compare their options, maximize savings, and enroll with confidence. Get Licensed support, marketplace, and private plan options, and always no-cost consultations.