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Variety of Carrier Options for Individual and Family Health Insurance
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1. What is individual health insurance?
Answer: Individual health insurance is coverage you purchase on your own, not through an employer. It helps cover medical expenses such as doctor visits, hospital stays, and prescription drugs. Plans vary in coverage, cost, and provider networks, allowing you to select one that fits your needs.
2. Who is eligible for individual health insurance?
Answer: Anyone not covered by an employer or government health insurance program, such as Medicare or Medicaid, can apply for individual health insurance. This includes freelancers, the self-employed, and those between jobs.
3. How do I choose the right health insurance plan?
Answer: Consider your health needs, the doctors you prefer, and your budget. Look at the plan’s premiums, deductibles, copayments, and the types of services covered. If you have ongoing medical needs, a plan with lower out-of-pocket costs may be better.
4. What’s the difference between an HMO and a PPO?
Answer:
- HMO (Health Maintenance Organization): Requires you to choose a primary care doctor and get referrals to see specialists. It usually has lower premiums but less flexibility in choosing providers.
- PPO (Preferred Provider Organization): Offers more flexibility, allowing you to see specialists without referrals and visit out-of-network providers, though at a higher cost.
5. What is a premium, deductible, and copayment?
Answer:
- Premium: The amount you pay each month for your health insurance plan.
- Deductible: The amount you pay out-of-pocket before your insurance starts covering expenses.
- Copayment: A fixed amount you pay for a covered service, such as a doctor’s visit, after your deductible is met.
6. Will my individual health insurance cover pre-existing conditions?
Answer: Yes, under the Affordable Care Act, all individual health insurance plans are required to cover pre-existing conditions without charging higher premiums.
7. Can I get financial assistance for my health insurance?
Answer: Depending on your income and family size, you may qualify for subsidies or tax credits to help lower the cost of your individual health insurance through the marketplace.
8. What happens if I miss the open enrollment period?
Answer: If you miss the open enrollment period, you can still enroll if you qualify for a Special Enrollment Period due to life events like losing other coverage, getting married, or having a baby.
9. Can I keep my doctor with individual health insurance?
Answer: It depends on whether your doctor is part of your plan’s network. Before choosing a plan, check to see if your preferred healthcare providers are included.
10. How does individual health insurance compare to employer-provided insurance?
Answer: Employer-provided insurance typically has lower premiums since employers contribute to the cost. However, individual plans may offer more flexibility in terms of plan selection and coverage customization.
11. Can I get health insurance if I work Part-Time?
Answer: Yes, you can still get health insurance if you work part-time. Many part-time jobs do not offer employer-sponsored health insurance, but you can purchase individual health insurance through the marketplace or directly from insurance companies. Depending on your income, you may also qualify for subsidies or Medicaid, which can help reduce the cost of coverage. It’s important to compare your options and choose a plan that fits your healthcare needs and budget.
See if You May Qualify for State Marketplace Insurance
Do you qualify for Nevada Marketplace financial assistance ?
Income limits to qualify for Nevada Healthlink Plans with Financial Assistance
If you make too much to receive Medicaid, you may qualify for a Premium Tax Credit (PTC) through Nevada Healthlink.
If you believe you qualify for Medicaid, see the income chart below and apply directly to the Department of Social Services at dwss.nv.gov.
Check out the Medicaid Income Limits!
Income Limits for Medicaid
Ask about Supplemental Plan Options
Get Supplemental Coverage at an Affordable Rate
Supplemental health insurance offers several benefits to individuals and families that can help address gaps in coverage and provide additional financial security.