Individual benefits are insurance policies that can be purchased either through an insurance provider or a government marketplace. Unlike employee benefits, which are provided by employers, individual benefits are owned by the individual and can be customized to meet specific needs. These benefits can include a variety of coverages such as Life, Medical, Vision, Accident, Critical Illness, and Short Term coverage.

PPO (Preferred Provider Organization)

• What It Is: A flexible health plan that offers a broad network of doctors and specialists
• Key Features:
  • Freedom to see any doctor or specialist without a referral.
  • Larger network of healthcare providers.
  • Higher premiums and deductibles than other plans.
  • Ideal for those who want more flexibility in choosing healthcare providers.

HMO (Health Maintenance Organization)

• What It Is: A more cost-effective health plan with a smaller network of doctors and specialists, typically requiring a primary care physician (PCP) referral to see specialists.
• Key Features:
  • Lower premiums and deductibles.
  • Requires referrals from your PCP for specialist visits.
  • Limited to in-network providers except in emergencies.
  • Great for individuals looking for affordable care with structured coordination.

POS (Point of Service)

• What It Is: A health plan that combines features of both HMO and PPO plans. It requires a primary care physician (PCP) referral for specialists but offers more flexibility to see out-of-network providers at a higher cost.
• Key Features:
  • Lower costs when you use in-network providers
  • Requires referrals from your PCP to see specialists.
  • Can see out-of-network providers, but at a higher cost.
  • Ideal for those who want some flexibility but prefer lower premiums with a coordinated care approach.

Explore a variety of individual health insurance plans available through the marketplace. Our easy-to-use shopping portal allows you to compare coverage options, benefits, and prices to find the best plan for you.

• Browse Plans: Search and filter through different types of plans, including PPO, HMO, POS, and more.
• Compare Options: Side-by-side comparisons to help you understand premium costs, coverage, and deductibles.
• Get a Quote: Instantly view pricing based on your preferences and location.

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