When you buy an individual health insurance plan, you have the ability to choose a plan that fits your specific needs. You can find plans that cover just the basics or plans that offer more comprehensive coverage. We are here to help those in Oregon make the best choices they can with their health coverage.
Individual health insurance is a type of health coverage that is designed for individuals who are not covered by an employer-sponsored plan. If you are self-employed, or if your employer does not offer health insurance, individual health insurance may be a good option for you. Also, if you are married and are not covered by your spouse’s health insurance plan, buying an individual health plan is a great way to fill the gap of coverage in your household.
If you’re looking for help finding health insurance, a broker can be a great resource. Brokers have expertise in the health insurance market and can help you find coverage that fits your needs and budget. They can also help you navigate the complicated process of enrolling in health insurance.
Sometimes it’s easy to simply pay the higher premiums, pay high deductibles, and cope with the coinsurance. However, why not see what a health insurance agent could do for you? Want an HSA? Need prescription drug coverage? What about a metal gap plan – do you think you could use one? What’re the best options for self-employed individuals?
QuoteDesign has set simple goals: to provide the best health insurance options in Oregon and making it easy on you. When we say “the best health insurance,” we’ll help you design a health insurance plan that best fits your specific needs and budget.
The requirements of “qualified health plans'' must be satisfied by all health plans offered through the Marketplace. This implies that they will cover essential health services, restrict the amount of cost-sharing (such as deductibles and co-pays) for covered benefits, and adhere to all other consumer protections mandated by the Affordable Care Act.
Many of the same rules apply to health insurance whether you’re buying it on your own or through a small business. There are some notable exceptions, however. For example, while every individual must have coverage under the Affordable Care Act (ACA), there is no minimum requirement for how much insurance should cover. Some plans may vary somewhat in terms of the benefits covered. The level of cost-sharing required by health plans will differ as well. To indicate the overall amount of cost-sharing they demand, plans will be labeled Bronze, Silver, Gold, and Platinum. Bronze policies will have the highest deductibles and other cost-sharing limitations, while Platinum plans will have the lowest.
Some health insurance plans will demand that you use in-network doctors and hospitals, while others may provide some coverage when you get care from an out-of-network provider.
Simply put, health insurance is a method of paying for your medical care. It’s also the same as car or house insurance: you pick a plan and agree to pay a set amount, or premium, each month. Your health insurer then promises to reimburse part of the costs covered by your policy.
HMOs have cheaper monthly premiums than PPOs. You’ll also spend less out of pocket. In exchange for greater flexibility to utilize both in- and out-of-network providers without a referral, PPO plans typically have higher monthly rates.
An individual health plan covers all hospital expenses, as well as pre-hospitalization and post-hospitalization fees. In some cases, it also includes compensation for income loss caused by an accident.
Long story, short: health plans vary in terms of how comprehensive they are. We can help you gauge all of that when you work with us.
Health insurance plans that include vision and/or dental coverage are available. These may be provided by your employer, bought on your own, or through an agency or brokerage. Vision or dental benefits can be had through separate, stand-alone plans that can be used as supplemental insurance. If you work with us, we’ll compare costs of many options, making sure to cue you in on the jargon as we go. In the end, it’s about what you need and what you don’t need in terms of coverage (and cost!).