Hawaii Individual Health Insurance Plans
At Proinsurance Hawaii, our trained agents can help you purchase your own individual health insurance plan, tailored to meet you and your family’s health care needs.
What is individual health insurance?
Individual health insurance is coverage that a person can buy independently. It can cover a single individual, a parent and dependent children, or a family. While the majority of Americans choose to get their health insurance coverage through an employer or through a government program, research shows that five percent of the population buys private, individual health insurance plans.
Unlike a traditional, employer-sponsored insurance, you’ll shop for and choose a plan that covers you and your family. You’ll also purchase your own plan and make all the monthly premium payments yourself – automated payment plans are usually available.
Who should buy an individual health insurance plan?
A private health insurance plan might be the right fit for you if you are self-employed, your employer does not offer a group plan, you are enrolled in a plan but it doesn’t cover your spouse or dependents, premiums are too high, or your benefit needs have changed. These are all good reasons to look for a new insurance plan.
Since the Affordable Care Act, you’ll find that individual plans are more benefit-rich than before, thanks to the introduction of ACA’s essential health benefits. These benefits include outpatient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, including behavioral health treatment, prescription drugs, rehabilitative and habilitative services and devices, laboratory services, preventive and wellness services and chronic disease management, and pediatric vision services. Plus, subsidies are available to help you pay a portion of the premiums.
Here in Hawaii, you’ll be able to purchase individual health insurance plans that gives you access to Hawaii’s top providers and hospitals. Depending on your plan, you can have annual wellness exams, drug benefits, adult vision benefits, and more. You’ll be able to build an individual plan that fits your life, budget, and ohana.
How can I purchase an individual health insurance plan?
You can purchase an individual health insurance plan through the exchange or off-exchange, the latter which means directly through the health insurance carrier. Brokers and navigators, such as Proinsurance Hawaii, can help you. Remember, there’s an annual open enrollment window every year for individual coverage.
To learn about these plans and how individual insurance can work for you, give Proinsurance Hawaii a call today at (808) 735-0106. Our trained agents can answer any questions you may have and help you navigate through the process of getting insured.