Who Needs Individual Health Insurance?

  • Those who don’t have employer individual health insurance option. Individual health insurance is good for those who are self employed or others whose jobs don’t offer health coverage.
  • If you have a particular physician you like, that might dictate whether an HMO or a PPO is right for you. In an HMO, you must use the plan’s network of doctors in order to receive coverage. A PPO plan will let you visit any doctor.
  • Although they are called “individual” plans, they can cover you, your spouse and your children.
  • Individual health insurance plans also tend to have stricter underwriting standards. If you have pre-existing conditions it will likely be more difficult to find an personal health insurance plan.
  • Finding the right health insurance for individuals can be challening. Let a VitalOne licensed health insurance agent guide you through the process.

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