individual Health insurance

Q1. What Is Individual Health Insurance?

Individual health insurance helps protect you from unexpected medical expenses caused by illness, accidents, hospitalizations, or surgeries. The Affordable Care Act (ACA/Obamacare) and Medicare are the two main forms of individual health insurance in the U.S., reducing out-of-pocket costs and ensuring timely access to necessary care.

• Essential Health Benefits: Doctor visits, preventive care, emergency services, hospitalization, surgery, and prescriptions
   
• Mental Health & Rehabilitation: Counseling, therapy, and rehab services
   
• Prescription Drugs: Full or partial coverage for prescribed medications
   
• Maternity & Newborn Care: Prenatal visits, delivery, and newborn care
   
• Pediatric Services (ACA Plans): Dental and vision coverage for children
   

• U.S. medical costs are extremely high, and without insurance, treatments can cost thousands to tens of thousands of dollars.
   
• ACA Plans allow eligible individuals to receive government subsidies (Premium Tax Credits) to reduce monthly premiums.
   
• Medicare provides essential coverage for people age 65+ or with certain disabilities, making it vital for retirees.
   
• Serious conditions such as cancer, heart disease, or accidents could financially devastate households without insurance.
   

• Self-employed, freelancers, contractors, or unemployed individuals without employer coverage
   
• Individuals with income levels that qualify for ACA subsidies
   
• U.S. citizens or green card holders age 65+ who are eligible for Medicare
   
• Medicare members seeking broader coverage (e.g., Medigap or Medicare Advantage)
   

Get your free personalized quote today for Individual Health Insurance, ACA, or Medicare plans through Econo Insurance.

Our licensed consultants will analyze your income, age, health status, and family situation, then compare multiple insurers and government programs to design the most beneficial and practical coverage for you.