Individual Medical Insurance
Individual insurance is a health policy that you can purchase for just yourself or for your family. Individual policies are also called personal health plans. We are here to help you go over different plans and costs to find the coverage that suits your personal needs.
You may be eligible for a tax credit from the government to purchase an Affordable Care Act-compliant individual plan. This can help save you money on your health insurance. You may be eligible for a tax credit if your employer does not offer *affordable health coverage and your household income is no more than 400% above the federal poverty level.
Advantages Of an Individual Plan
Coverage for preventive care: All ACA plans must cover 10 essential health benefits, including preventive care. This means that you can get preventive care, such as annual checkups and screenings, without having to pay a copayment or coinsurance.
Protection from lifetime and annual limits: ACA plans are not allowed to have lifetime or annual limits on coverage. This means that you will not have to worry about your health insurance running out if you have a serious illness or injury.
Pre-existing conditions: ACA plans cannot deny coverage or charge higher premiums to people with pre-existing conditions. This means that you can get health insurance even if you have a health condition.
Cost-sharing reductions: If you have a low or moderate income, you may be eligible for cost-sharing reductions. These reductions can help you afford the out-of-pocket costs of health insurance, such as deductibles and copayments.
Premium tax credits: If you have a low or moderate income, you may be eligible for premium tax credits. These credits can help you afford the monthly premiums for health insurance.
If you are looking for health insurance in South Carolina, you should consider an ACA plan. ACA plans offer a number of benefits that can help you protect your health and your finances.
If you think you may need health insurance our brokers are trained to help people understand the ACA and find the best health insurance plan for their needs. We will never charge you for this service!