Individual Health

Marketplace (ACA) Plans

These are available through the Health Insurance Marketplace (HealthCare.gov or your
state’s exchange).

  • Pros

    Subsidies available based on income, covers essential health benefits, no denial for pre-existing conditions.

  • Cons

    Premiums can be high without subsidies.

  • Best For

    Individuals and families with moderate income or those who qualify for subsidies.

Off-Exchange Plans

Plans sold directly by insurance companies, not through the Marketplace

  • Pros

    Same benefits as ACA plans, possibly more plan options.

  • Cons

    No access to premium subsidies.

  • Best For

    People who don’t qualify for subsidies and want different plan choices.

Short-Term Health Insurance

Plans sold directly by insurance companies, not through the Marketplace

  • Pros

    Lower premiums, quick enrollment.

  • Cons

    Limited coverage, may not cover pre-existing conditions, not ACA-compliant.

  • Best For

    People between jobs or waiting for other coverage to begin.

Health Sharing Ministries

Faith-based groups that share medical costs among members.

  • Pros

    Lower monthly costs.

  • Cons

    Not insurance, may deny based on lifestyle or conditions, not regulated.

  • Best For

    Individuals seeking faith-aligned, lower-cost alternatives with risk tolerance.

COBRA Coverage

Temporary continuation of your employer plan after leaving a job

  • Pros

    Keeps your same coverage.

  • Cons

    You pay the full premium plus a 2% fee.

  • Best For

    Those who recently left a job and want to maintain the same coverage for a limited time.

Medicaid (if eligible)

Based on income and household size; varies by state.

  • Pros

    Low or no cost, comprehensive coverage.

  • Cons

    Eligibility restrictions

  • Best For

    Low-income individuals and families.

Catastrophic Health Plans

For people under 30 or those with a hardship exemption.

  • Pros

    : Low premiums, covers worst-case scenarios.

  • Cons

    Very high deductibles, limited benefits until deductible is met.

  • Best For

    Healthy young adults who want emergency protection.

Key Factors to Compare

  • Monthly premium
  • Deductible and out-of-pocket max
  • Copays and coinsurance
  • Network of doctors and hospitals
  • Prescription drug coverage
  • Subsidy eligibility (through the Marketplace)

Would you like help comparing plans based on your income, location, or health needs?
Call 844-735-5098 to speak to a License Agent