Individual or private health plans offer coverage purchased directly by an individual for themselves or their family. They stand out compared to employer-sponsored health insurance plans because there is no intermediary through an employer.

However, private health plans are very similar to employer-sponsored coverage. Both options provide for primary care and similar medical expenses, but individual plans give you increased flexibility to pick the best plan for you.

Many people choose individual health plans that don’t have access to employer-sponsored coverage, such as those who are self-employed, contractors or freelancers. Private plans are also a good option if you or someone in your family has specific medical needs that aren’t covered by your employer-sponsored plans. When you use Instant Health, you’ll be able to see all of your plan options at your fingertips.

After you enroll in your new affordable private health insurance plan, you’ll be responsible for paying a monthly premium to maintain your coverage. In exchange, your plan will cover many kinds of medical expenses during the coverage period.

You will generally have a deductible that you must pay before insurance coverage kicks in. However, once this deductible is reached, your plan will cover most of the fees for eligible medical services. You may still be responsible for copayments or coinsurance on certain services.

Your insurance will work with a range of healthcare providers across your area, so for the best coverage you should stay in-network with these providers. If you have certain providers you need to work with,we’ll explore which options are available for you.

At Instant Health, we will show you as many available plans as possible that fit your needs.

The Affordable Care Act (ACA) has made many kinds of plans available to patients across the country. You must follow specific eligibility requirements to be approved for most ACA plans.

If you’re looking for coverage temporarily during transition periods, such as being between jobs, a short-term plan might be the best choice. They are a great way to receive basic, affordable care until you find a more permanent insurance solution.

If you’re looking for a more flexible and community-based coverage, you may be able to join a health share. These plans, though not legally classified as insurance, are a way for you to receive reduced costs on many medical services if you’re a qualifying applicant.

If you come to Instant Health looking for affordable private health insurance plans, our Find My Plan tool will show you all your options and provide a helping hand when you need it.

Before you purchase health insurance, we’ll need to make sure that you’re eligible to join a new plan. ACA health plans accept new members during open enrollment periods. This period often occurs from November to January, but it’s not the only time you can join a new plan. If you’ve had a “qualifying life event”, you may be eligible to enroll at any time. Health shares and short term plans you may be eligible to enroll in any time during the year.

Some common qualifying life events include a loss of existing health coverage, a change in your household (such as marriage, divorce, childbirth, or death), or certain changes in residence. There are many kinds of qualifying life events, so if you’re unsure about your situation our Find My Plan tool can confirm your eligibility.