Individual Health Insurance

Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.

If you are looking for a comprehesive individual health plan without deductibles, no coinsurance, copays for office visits that includes preventative care and automatic full pregnancy coverage (You must not be pregnant when you apply.) then click on Local HMO's.

For instant online quotes and a comparison of plans from the major national individual health insurance carriers for you or your family, please fill out our online form.  Click "submit" and view your quotes and even apply right online.

If you are between jobs, just graduating from school, or need coverage for less than 1 year, click on Short Term Medical.