Why Should I Consider Individual Insurance?

Nearly 60 percent of U.S. citizens who have medical coverage get that coverage from an employer-sponsored health plan.  Another 30 percent are covered through a government plan like Medicaid, Medicare or a military plan.  If you are self-employed, or if your employer does not offer medical insurance, you'll need to turn to the private insurance market to purchase an individual health insurance plan.

Chances are you found this Web site because you are already searching for affordable individual health insurance.

Individual coverage is typically harder to qualify for than a group plan offered by an employer.  Policies are individually underwritten, which means that insurance companies will more closely scrutinize your medical history.

Health insurance companies are for-profit entities.  When they agree to insure you, they are betting that you will pay more in premiums than they will pay out for your medical claims.  Therefore, if you have an existing medical condition, they may refuse to insure you or impose a waiting period on that pre-existing condition.  That's why the best time to apply for insurance is before you have medical problems.

It may sound dire, but it is essential that you have medical insurance for you and your family.  More than 60 percent of U.S. bankruptcies are the result of medical bills.  Also, if you are self-employed, you could be one major illness away from losing your business. You should also never go without insurance just because of a job loss.  If your COBRA continuation is too expensive, an individual insurance plan can offer affordable protection against catastrophic loss.

Our website provides a user-friendly comparison resource backed up with experienced agent assistance, allowing you to make an informed decision that will provide peace of mind and financial security.  We offer online enrollment with Lifewise of Washington, Asuris Northwest Health, Regence BlueShield, Group Health Cooperative and Assurant Health.