Individual Health Insurance

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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 gets older. 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. independent agency

Already have Individual Health Insurance? Switching is easy

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

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.
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Peter Orona ABCDMedicare
We extend coverage to individuals and businesses in Phoenix, Arizona and surrounding areas.
(602) 770-9062
Arizona - 17472691
California - 0K07704
This is a proprietary website and is not, associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at
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