Coverage beyond employer plans
Individual and family health insurance
Individual and family health plans may be available through the Health Insurance Marketplace or directly from insurers. We help you compare represented options and understand key tradeoffs.
Who this coverage may be designed for
- People without employer coverage
- Self-employed individuals and families
- People who recently lost qualifying coverage
What it generally covers
- Preventive and essential health benefits in ACA-compliant plans
- Hospital, physician, and prescription services subject to the plan
- Coverage for pre-existing conditions in ACA-compliant plans
Important limits and enrollment considerations
- Networks, deductibles, and formularies vary
- Premium tax-credit eligibility is determined by the Marketplace
- Short-term or limited-benefit coverage is not the same as comprehensive ACA coverage
Ask before you decide
Frequently asked questions about individual and family health insurance
Does guidance cost me anything?
No additional fee is charged to you for O’Neal Insurance Group’s guidance. Agents may be compensated by an insurance carrier when an enrollment occurs.
Is every plan available through the agency?
No. The agency does not offer every plan available in every area. Availability depends on location, eligibility, carrier appointment, and product availability.
Official resource
Check the source, then ask for personal help
Educational information is general. A licensed agent can help with plan comparisons; agents do not provide medical, legal, or official eligibility advice.
Personal guidance · No additional fee