Individual & Family

Affordable Health Insurance Plans for Individuals and Families

Navigating Medicare can feel overwhelming, but we're here to simplify it for you in 15 minutes or less. Our comprehensive guide will cover key topics such as:

Explore individual and family plans from leading health insurance providers - Access carrier information

For more than two decades, we have assisted over 5 million individuals in finding the ideal health insurance coverage.

Which type of individual health insurance plan should I choose?

Choose the right individual health insurance plan for your needs from a variety of options, including Affordable Care Act plans, short-term plans, and medical indemnity plans. Our licensed agents can guide you in finding the best coverage at an affordable price. Explore different plan types and coverage options to make an informed decision.

Discover Affordable Care Act (ACA) plans, also known as major medical or comprehensive coverage. These plans meet all the requirements of the ACA and offer extensive coverage. Whether you refer to them as “Obamacare” or another name, ACA plans provide comprehensive benefits for various healthcare services, including inpatient and outpatient care. They can help protect you from high medical costs associated with chronic illnesses or emergencies.

With ACA plans, you can save on routine doctor visits, prescription drugs, preventive care, hospital stays, and more. These plans are available to nearly everyone, and you cannot be denied coverage based on preexisting conditions.

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Consider short-term health insurance if you are unable to afford an Affordable Care Act (ACA) plan or missed the application deadline. Short-term plans provide limited coverage compared to ACA plans and do not exempt you from state tax penalties. However, they accept applications throughout the year and can help with costs in the event of a non-preexisting condition-related medical emergency.

It’s important to note that short-term plans do not meet ACA requirements and may not cover all your medical needs. Carefully review the plan details before applying. Additionally, acquiring short-term health insurance may make you ineligible for other types of coverage, including ACA plans and COBRA.

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Consider medical indemnity health insurance, also known as fee-for-service plans, which provide a fixed amount for specific services, such as $50 for a doctor visit. Regardless of the actual bill for the visit, the plan will pay you $50.

Medical indemnity plans can be combined with other insurance to help cover out-of-pocket expenses like copays and coinsurance. You can choose to have a medical indemnity plan as your primary insurance or as part of a comprehensive insurance package. However, it’s important to note that medical indemnity plans do not meet the requirements of the Affordable Care Act (ACA) and do not exempt you from state tax penalties. They typically do not cover preexisting conditions and may have benefit limits based on incidents, yearly, or lifetime coverage.

While medical indemnity plans may not be suitable for everyone, they can provide assistance with medical costs and expenses. Take a closer look if you’re seeking additional coverage options.

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Our Benefits

What makes Policywizzard the ideal choice?

Policywizzard is dedicated to providing exceptional individual and family health insurance plans. With our deep understanding of the diverse range of health insurance options available, we can assist you in finding the perfect plan tailored to your specific needs. Here are some key reasons to place your trust in us:

All plans in one place

When it comes to finding the right health insurance for yourself, your business, or your family, eHealth is your trusted partner. With a diverse range of options available, our team of experts is here to guide you through the process and help you find the perfect health insurance solution that meets your specific needs. Count on us to provide the expertise and support you need to secure the coverage you deserve.

Benefit comparisons

Gain access to unbiased comparisons of plan costs and benefits from all major health insurance carriers. Obtain a personalized quote and discover the most affordable plan that perfectly aligns with your needs. Our platform empowers you to make informed decisions by providing transparent information on various options. Find the ideal health insurance plan that suits your requirements with ease.

Lifetime support

Our commitment to supporting you extends beyond the signup process. Our team of licensed insurance agents is readily available to address any questions or concerns you may have regarding your plan benefits, premiums, and more. We are here to provide ongoing assistance and ensure you have a clear understanding of your insurance coverage.


Frequently Asked Questions

Regardless of whether you are seeking health insurance for individuals or family members, we recognize that many people have inquiries. Here are some of the most frequently asked questions we receive regarding individual and family medical insurance:


The cost of individual health insurance can vary based on your state. On average, a single person can expect to pay between $225 and $327 per month*. To explore health insurance options specific to your area, you can browse plans by state.

Please note that the mentioned price range is based on average pricing for plans from Policywizzard. The actual prices available to you may depend on factors such as your zip code, age, gender, and other considerations. To get a personalized quote and see the available options for you, it is recommended to request a quote.

*Actual pricing may vary.

The affordability of individual health insurance coverage is influenced by your household income, as you may qualify for subsidized plans. If you do not qualify for subsidies, you can find plans for as low as $139 per month* for a single person.

Please note that the mentioned price is based on the lowest prices for plans from Policywizzard. The actual prices available to you may depend on factors such as your zip code, age, gender, and other considerations. To get a personalized quote and explore the available options for you, it is recommended to request a quote.

*Actual pricing may vary.

With a marketplace such as Policywizzard, you can conveniently obtain individual health insurance and compare prices from multiple carriers in one place. Marketplaces provide additional support to assist you in finding the perfect plan that meets your requirements, all at no extra cost.

To secure coverage, all you need to do is provide some basic information such as your age, zip code, and gender. By doing so, you can easily compare quotes from various carriers operating in your state, simplifying the process of finding the right individual health insurance plan.

Individual health insurance plans offer comprehensive coverage that is equivalent to what you would receive from an employer-provided plan. With Policywizzard, you have the opportunity to compare numerous options available in your area, ensuring you find the perfect balance between price and coverage.

Our licensed insurance agents at Policywizzard are here to assist you in finding a plan that caters to your specific needs, all without any additional cost. We prioritize helping you navigate the complexities of individual health insurance and ensure you receive the coverage that suits you best.

During the open enrollment period or a special enrollment period, you have the opportunity to purchase an individual health insurance plan. The special enrollment period is available to individuals who experience qualifying life events, such as the loss of current coverage or a change in marital status. To determine if you are eligible, you can refer to our list of qualifying life events.

While many Americans obtain health insurance through their employers, it is not the only option available. The Affordable Care Act (ACA) was designed to make health insurance more accessible to all citizens, regardless of employment status. You can qualify for an ACA health insurance plan even if you are not employed. Additionally, individuals with income restrictions may be eligible for subsidies to help cover the cost of health insurance.

With numerous options available, it can be overwhelming to navigate the process alone. This is where eHealth's licensed agents can assist you. Our knowledgeable agents, coupled with tools like our plan comparison tool, can help you find a health insurance plan that fits your budget and meets your coverage needs. Our team can also determine if you qualify for an ACA subsidy, providing further assistance in finding an affordable plan.

When selecting a health insurance plan, there are several important factors to consider. First, determine if you need coverage for yourself or your family, as bulk plans may offer discounts. Next, decide if you will obtain insurance through your employer or purchase it independently. Employer-sponsored plans can provide cost savings, but the options may be limited. Clarifying how you will obtain health insurance is crucial.

Next, assess factors such as the deductible, premium, potential co-pays, and coinsurance. These elements significantly impact your coverage and out-of-pocket expenses. Understanding these factors and their influence on your choice is essential. Our team is available to discuss your options and provide guidance on these matters. You can also find valuable information on these topics in Policywizzard resource center. We are here to help you make informed decisions about your health insurance coverage.

The processing time for your health insurance application typically takes around three weeks after enrolling and making the initial payment for a major medical plan. However, the timeline may vary depending on when you enrolled in the plan. Alternative health insurance plans, such as short-term plans, are designed to provide quicker coverage, and their timeline may differ.

For more detailed information, we recommend referring to our article on the health insurance application process. It provides comprehensive insights into the application timeline and other relevant details.