Individual Health Insurance
GoldKey Consulting, Inc. Insurance Services offers a variety of Individual Health Insurance.
INSURANCE 101
Learn more about the types of Health Insurance plans offered. Click the (+/–) below to read more.
An HMO offers lower premiums and a significant savings on routine and preventative healthcare.
A Health Maintenance Organization or HMO health plan requires you to appoint a primary care physician. Thus, you must use doctors and facilities that are affiliated with the HMO. If you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. The great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services, such as procedures and prescriptions.
A PPO offers a significant savings on healthcare services and a large network of providers.
A Preferred Provider Organization or PPO will save you money on services if you use the preferred providers within the network. Deductibles must be met on this plan before some services will be covered. Accordingly, the good thing about a PPO is that, each year, they allow for a certain amount of services to be covered outside of the deductible with a small co-pay. Additionally, PPOs have a large network with quality care providers and excellent prescription drug coverage.
Qualify for a premium subsidy through the Federal Health Insurance Marketplace.
You may be eligible for a tax credit (premium discount), if you purchase your health insurance through the Federal Health Insurance Marketplace. Families earning up to $94,000 per household (this is about 400% of the poverty level) can qualify. We suggest you use our Subsidy Calculator to see if you qualify.
Is a Catastrophic Plan right for you?
Catastrophic Plans are most often purchased by people under 30 years old, and by those with good health. That’s because they meant to only cover unforseen illnesss and emergencies. As a result, catastrophic plans never contain all of the essential benefits required by the ACA.
Need a short-term health insurance policy?
Short Term Medical Plans are for times of transition. Specifically, they help to bridge gaps in coverage for individuals and families. Thus, they can be less expensive than traditional health insurance. However, in most casses, they do not provide full coverage. Specifically, they do not cover pre-existing conditions, nor do they contain the essential benefits as required by the ACA. Based on your needs, you can select the length of time (1 to 11 months in many states) and from a range of available deductible amounts.
Important Notice
Annual Open Enrollment
Nov. 1st – Dec. 15th*
Open Enrollment Begins
2017/11/01 13:50:25
