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Find Affordable Individual & Family Health Insurance Plans

HBHealth shoppers can save up to $2,760 a year on their health premiums.

Enter your ZIP code to find available plans in your area.

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Get Individual and family plans from the nation’s top health insurance carriers, tailored to your needs. Find insurance companies in your state and explore the coverage options they offer.

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What Kind of Individual Health Insurance Plan Should I Get?

There are three types of health insurance for individuals and families to choose from, including Affordable Care Act plans, short-term plans, and medical indemnity plans. Understanding each type can help you make an informed decision that fits your needs and budget.

Affordable Care Act Plans

ACA plans include major medical, comprehensive coverage, or "Obamacare." These plans meet federal requirements and typically offer the most comprehensive coverage. They include preventive care, hospital stays, prescriptions, and more. Almost everyone is eligible and cannot be denied coverage based on preexisting conditions.

Short-Term Plans

Short-term health insurance offers limited coverage for temporary gaps. These plans do not meet ACA requirements, cannot guarantee coverage for preexisting conditions, and are not eligible for subsidies. However, they can be affordable and useful for people in transition or between jobs.

Medical Indemnity Plans

Medical indemnity plans provide fixed payouts for specific services (e.g., $50 per doctor visit). These plans help cover out-of-pocket costs and can work alongside other insurance. They typically don’t cover everything but may be useful for those who want a second layer of protection.

Why Choose HBHealth?

At HBHealth, we take great pride in offering both individual and family health insurance plans. We understand that health insurance plans for family members and individuals come in many shapes and forms, and we can help you find the right plan to meet your needs. Some of the biggest reasons why you should trust us include:

Variety of Plans

Compare options for individuals, families, and small businesses.

Explore a wide selection of plans tailored to meet various health and financial needs.

Unbiased Comparison

See plans from multiple carriers side-by-side with real-time quotes.

Make confident decisions with side-by-side insights into coverage and pricing.

Lifetime Support

We help before, during, and after you enroll — with licensed agents.

Count on our agents to be there whenever you need assistance — now and in the future.

Frequently Asked Questions

How much is individual health insurance?

Costs vary depending on location, age, and plan type, but subsidies may lower your monthly premium.

What's the cheapest health insurance?

Short-term and catastrophic plans are often the cheapest but come with limited benefits and no ACA protections.

How do I get individual health insurance?

You can apply through the federal marketplace, your state exchange, or a private broker like HBHealth.

What does private health insurance cover?

Most plans cover preventive care, doctor visits, prescriptions, hospitalization, and emergency services.

When can you buy individual health insurance?

The Open Enrollment Period runs from November to January. Special Enrollment is available if you qualify.

How do I get health insurance without a job?

You may qualify for subsidies, Medicaid, or short-term plans depending on your income and situation.

How do I choose a health insurance plan?

Compare premiums, deductibles, network coverage, and out-of-pocket costs to find the right fit.

How long does it take to get health insurance after applying?

Coverage can start as soon as the first of the next month after enrollment, depending on the plan.

Find Affordable Individual and Family Health Insurance Plans Today

If you are looking for individual health insurance plans or family health insurance plans, it would be our pleasure to help you. Our team of licensed agents can talk to you about all of your options including ACA plans, indemnity insurance plans and more. Because every insurance plan is different, you must think about the benefits and drawbacks of each option before you make a decision. Then, rely on our team to help you. Contact us today to speak to a member of our team and get started.

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