We got you covered

Individual Health Insurance

Don't leave everything to chance; keep yourself protected with insurance.
Get Started

Many years in business

100% customer satisfaction

Knowledgeable advisors to help you

Multiple coverage options to choose from

Individual Health Insurance Provided By Our Agency

Most Americans get health insurance from their employer. However, individual health insurance is a way to get coverage if you're not qualified for an employer-sponsored plan or if your company's plan is too expensive or limited.

What is Individual Health insurance?

Individual health insurance is protection you buy on your own, either for yourself or your family, as opposed to receiving it from your employer or a government-run program like Medicare, Medicaid, or CHIP.

What does Individual Health Insurance cover?

Some common examples of the types of conditions that are covered:

  • Outpatient care, including doctor's visits.
  • Pregnancy and maternity care.
  • Mental health and substance abuse treatment.
  • Prescription drugs.
  • Emergency room visits.
  • Hospitalizations.
  • Services and devices for recovery after an injury.
  • Mental health and substance abuse treatment.
  • Lab tests.
  • Pregnancy and maternity care.
  • Prescription drugs.
  • Pediatric services, including dental and vision care for kids.
  • Prescription drugs.

Talk to us to find out if your plan covers these conditions.

What determines the cost of Individual Health Insurance

For a particular health insurance plan, the cost of coverage is determined by certain factors that have been set by law like
  • Age: The health care cost per person covered by a policy will be set according to their age, with rates increasing as the individual ages. Children up to 14 will cost a flat rate to add to a health plan, but premiums typically increase annually beginning at age 15.
  • Where you live: Health insurance companies determine the set of policies offered and the cost of coverage based on the state and county you live in. So a resident of Miami-Dade County in Florida may pay lower rates for the same policy than a resident of Jackson County.
  • Smoking/tobacco use: If you smoke, you could pay up to 50% higher rates for health insurance, though the state determines the maximum increase.
  • Number of people insured: The total cost of a health plan is set according to the number of people covered by it, as well as each person’s age and possibly their tobacco use. For example, a family of three, with two adults and a child, would pay a much higher monthly health insurance premium than an individual.

When comparing individual policies, look at what each policy covers in addition to monthly rates and fees. If all this sounds confusing, don’t worry; our team of experts is ready and waiting to partner with you in finding the right health insurance solution. We are here to help with all your questions and concerns so you can make an informed decision.

Already have Individual Health Insurance? Switching is easy

It might be time to switch insurers whenever your existing insurer's service doesn't meet your needs. For example, it might be time to consider other options if you have poor claims experience or an unexplained rate increase.

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
Request a Quote

Get Personalized  Insurance

Name(Required)
This field is for validation purposes and should be left unchanged.

The Insurance Doctor

The Insurance Doctor Provides Auto, Home, Life, Personal, & Business Insurance to All of New Hampshire, Including Manchester, Concord, Bedford, Goffstown, Nashua, Merrimack, Rochester, and Portsmouth.
453 Second Street 
Manchester, New Hampshire 03102
Mon-Fri : 8:30am - 4:30pm
Sat-Sun : Closed
Email Me
(603) 647-5617
© 2024 The Insurance Doctor Designed by Amplispot
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram