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Comprehensive health insurance solutions for businesses and individuals. From traditional individual plans to innovative cost-saving options, we help you find the right coverage.
Open Enrollment: Individual plans are typically available during open enrollment periods or qualifying life events.
Personal health insurance coverage for individuals and families who don't have access to employer-sponsored plans or need additional coverage options.
Lower premiums, higher deductibles (60% actuarial value)
Moderate premiums and deductibles (70% actuarial value)
Higher premiums, lower deductibles (80% actuarial value)
Highest premiums, lowest deductibles (90% actuarial value)
Cost-effective health plans that meet ACA minimum value requirements while providing essential coverage at lower premiums.
Basic health coverage that satisfies the ACA individual mandate requirement, providing essential protection at the most affordable rates.
Triple tax-advantaged accounts paired with high-deductible health plans. Save money on healthcare costs while building long-term savings for medical expenses.
Reduce your taxable income with pre-tax contributions
Earnings and interest grow without tax consequences
No taxes on qualified medical expense withdrawals
Maximum contribution: $4,150
Minimum deductible: $1,600
Maximum contribution: $8,300
Minimum deductible: $3,200
Additional $1,000 contribution
Understanding the differences between plan types helps you choose the right coverage for your needs and budget.
| Feature | HMO | PPO | HDHP/HSA | MVP | MEC |
|---|---|---|---|---|---|
| Premium Cost | Low | High | Medium | Low | Lowest |
| Deductible | Low | Medium | High | High | High |
| Provider Network | Restricted | Flexible | Varies | Varies | Limited |
| Referrals Required | Yes | No | Varies | Varies | Varies |
| HSA Eligible | No | No | Yes | No | No |
| Best For | Budget-conscious, routine care | Flexibility, specialists | Healthy, tax savings | ACA compliance | Minimum coverage |
Whether you need individual plans for your family, our health insurance experts will help you navigate your options and find the best coverage.