Individual health insurance

HealthMarkets helps make it easy to get medical coverage that fits your needs and budget. We offer individual health insurance products from recognized national and regional insurance companies. We can help you find coverage online, over the phone or face to face with a local, licensed insurance agent, all at no additional cost to you.

Affordable Care Act Plans

  • Bronze Plan
    Lowest monthly premiums
    Highest out-of-pocket expenses
  • Silver Plan
    Lower monthly premiums
    Higher-out-of-pocket expenses
  • Gold Plan
    Lower out-of-pocket expenses
    Higher monthly premiums
  • Platinum Plan
    Lowest out-of-pocket expenses
    Highest monthly premiums
  • Catastrophic Coverage*
    Low premiums for under age 30
    Very high out-of-pocket expenses

*Available to any individual under age 30, coverage is guaranteed issue; qualifies as “minimal essential coverage;” not subject to a tax penalty.

test

Frequently asked questions

HealthMarkets offers individual health insurance plans including Bronze, Silver, Gold, and Platinum plans, as well as Catastrophic Coverage for individuals under age 30.

You can get assistance finding a plan online, over the phone, or face-to-face with a local licensed insurance agent at no additional cost through HealthMarkets.

The Open Enrollment Period for ACA Marketplace plans typically runs from November 1 to January 15, with coverage starting on January 1 for those who enroll by the deadline.

Catastrophic Coverage plans offer low premiums for individuals under age 30 but come with very high out-of-pocket expenses. They qualify as minimum essential coverage and are guaranteed issue.

Related content

  1. State exchanges vs. the federal marketplace: Where should I shop for health insurance?
    4-minute read

    Need health insurance? Fortunately for you, you can soon be on the road to getting a plan, thanks to the Affordable Care Act (ACA). The ACA has helped make health insurance available to tens of millions of Americans, including the 35 million people who enrolled through online marketplaces in 2022. Among other important features, the ACA established an online marketplace, or exchange, where you can

  2. 7 easy ways to prepare for the Open Enrollment Period for ACA Marketplace plans
    4-minute read

    Health insurance open enrollment for ACA plans doesn’t have to be stressful. Follow these 7 smart steps to sign up for health insurance that works for you — and your budget. The annual Open Enrollment Period is your once-a-year chance to shop for health insurance plans on the federal Health Insurance marketplace or your state-based marketplace. You can sign up for a new health insurance plan, swit

  3. When Is Open Enrollment for 2025-2026?
    3-minute read

    The 2026 Open Enrollment Period (OEP) begins November 1, 2025, and ends usually January 15, 2026, in most states.1 The chart below shows the 2026 OEP dates for the states that use the federal Health Insurance Marketplace. Coverage begins January 1.2 If you have a Special Enrollment Period, coverage will begin the first day of the month after you sign up. For example, if you sign up on February 15,

View more articles