Individual Health Insurance
If you don’t have access to employer-based health insurance, or if you want other options, we can help you find the right individual health insurance policy for your needs.
Individual Health Insurance in Arizona
Individual health insurance provides health insurance coverage for you as an individual when you don’t have health insurance through work, or you prefer a different health insurance option. You may also be interested in securing an individual health insurance policy for one or more of your individual dependents, if you don’t want to offer them coverage under your own plan.
If you’re a solopreneur, sole proprietor or small business owner, an individual insurance plan can also provide you with the health insurance coverage you need. AZ Health Insurance Brokers can provide you free guidance on what type of individual health insurance plan might benefit you.
Best Individual Health Insurance Plans in Arizona
AZ Health Insurance Brokers partners with the top health insurance companies in Arizona to help find you the best individual health insurance policy in AZ. We work with insurance companies throughout the state, to help you get local insurance coverage that’s affordable and that meets your healthcare needs.
Statewide Connections for Local Health Care Coverage
AZ Health Insurance Brokers is based out of Phoenix, but we serve clients throughout the entire state of Arizona. Whether you live in Flagstaff, Scottsdale, Mesa, Chandler, Peoria, Glendale, Tucson, Kingman, Yuma, Tempe or anywhere in-between, we can help you find affordable health insurance in Arizona.
Signing up for health insurance on your own can get confusing. With so many Arizona health insurance choices available, you want to ensure you get a plan that provides coverage for what you need, without overpaying. At AZ Health Insurance Brokers, we’ll get to know your unique healthcare needs and will present you with a variety of plans that fit your budget.
How to Choose the Best Individual Health Insurance in AZ
Individual health insurance plans can be compared in a variety of ways. Some things to consider include:
- Whether or not the plan offers coverage for your preferred medical providers
- How much the monthly premium is and whether or not that fits your budget
- How much you’re willing to pay out-of-pocket to meet your deductible, before health insurance coverage kicks in
- Whether or not you have specific medications and prescriptions you need health insurance coverage for
- How often you typically need to see a doctor – annually for a physical, for example, or more frequently for a chronic condition
Knowing these details will help you make an informed decision for what type of health insurance plan makes most sense for you. You can also share this information with your individual health insurance broker, who can use it to present you with the best choices based on your unique criteria.
Talk with an individual health insurance provider to learn about your options.
Ways to Get Individual Health Insurance in AZ
There are various ways you can get individual health insurance when you need it. Consider these options.
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Private Individual Health Insurance
You can contact an Arizona individual health insurance broker for different individual health insurance options, based on your unique health needs and budget. AZ Health Insurance Brokers works with the best local individual insurance providers to get the best budget-friendly plans for you.
There’s no cost to consult with one of our individual health insurance agents and learn what’s available. We can answer all your questions about what exactly is covered in each plan and help you understand which plan makes the most sense based on how much you want to pay in monthly premiums and in a deductible.
If you have doctors and/or pharmacies you prefer, we can also scan available insurance providers to present you with options that offer coverage for those. Click the Contact Us box to talk with an individual health insurance expert now.
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Affordable Care Act (ACA) Marketplace Individual Insurance
The federal government, under the Affordable Care Act (ACA) at HealthCare.gov, offers an individual insurance Marketplace where you can shop for insurance. AZ Health Insurance Brokers can guide you through the process, with free expert help to find an ACA Marketplace plan that works for your unique needs and budget.
There are specific open enrollment times when individuals may sign up for a plan through the ACA Marketplace, typically from November 1 through January 15 of each year. If you’re outside of those dates, you may still be able to get an ACA Marketplace plan if you qualify for a special enrollment period. Events that qualify someone for a special enrollment period include marriage, divorce, moving and losing health insurance coverage through work.
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COBRA Individual Health Insurance
If you recently went through a life change, such as losing a job, you may qualify for insurance through the Consolidated Omnibus Budget Reconciliation Act, or COBRA. Your former employer must notify you that COBRA is an option, and you’ll typically have 60 days from the time you’re notified to elect to get COBRA continuation coverage. If you at first say no to COBRA but change your mind within the 60-day period, you can still sign up for COBRA.
COBRA continuation coverage may last anywhere from 18 to 36 months, depending on the qualifying event. Typically, COBRA individual health insurance will be more expensive than what you were previously paying under an old plan, which is one reason why it makes sense to compare COBRA pricing to another option, like private individual insurance.
Individual Health Insurance Add-Ons
In addition to traditional health insurance, there are other types of insurance related to your health and well-being that you might be interested in. Consider the following options.
Dental Insurance
Dental health is an important part of your overall health. With dental insurance, you can typically get coverage for two preventive checkups per year and for issues like cavities.
Without dental coverage, the cost for expenses like a root canal, crown or tooth extraction could add up to thousands of dollars. Check out our dental insurance guide below to get a view of dental costs with dental insurance versus without dental insurance.
Life Insurance
If you have someone in your life you want to continue to provide for in the event you pass on, a life insurance policy provides peace of mind. Life insurance provides a death benefit, should the policyholder pass away. If you’re a parent or have another loved one you want to leave a legacy for, these affordable policies can ensure they’re protected.
Some life insurance policies can even act as investment vehicles that you can draw money out of while you’re still alive. To learn more about various life insurance policies, from term life insurance to whole life insurance, click on our guide below.
Disability Insurance
Disability insurance is an additional safeguard that protects a covered individual, should they experience a disability that prevents them from being able to work for an extended period of time. This type of insurance can cover disabilities related to physical health and sickness, as well as mental health.
Accident Insurance
Accident insurance is similar to disability insurance, in that it provides an additional safeguard that the covered individual will be protected, should they experience an accident that keeps them away from work for a prolonged period of time. This type of insurance can be financially beneficial should you experience an expensive accident that significantly impacts your work or livelihood.
Critical Illness Insurance
Critical illnesses, such as cancer, are more costly and can impact an individual for a longer period of time compared to health expenses like wellness treatment or one-off medical procedures. The addition of critical illness insurance can protect you if you’re covered and experience a covered critical illness, such as:
- Cancer
- Coronary bypass surgery
- Heart attack
- Heart transplant
- Lou Gehrig’s disease
- Multiple sclerosis
- Organ transplant
- Parkinson’s
Critical illnesses are difficult to plan for, so having this additional coverage can provide peace of mind should they impact the insured policyholder.
Health Insurance Alternatives With Tax Savings
There are also alternatives to traditional health insurance that individuals may be provided through their work or that they may seek out individually. These include health reimbursement arrangements (HRAs), flexible spending accounts (FSAs) and health savings accounts (HSAs). If you’re using one and want to learn about other options, or you want to supplement a savings account for healthcare with traditional health insurance, AZ Health Insurance Brokers is here to help.
Health Savings Account (HSA)
A health savings account (HSA) is a health savings plan employees (and their employers) can contribute to for medical expenses tax-free. Balances roll over each year, and HSA contributions always remain in the account until the funds are used.
HSA plans pair with high deductible health plans, which typically have lower monthly premiums. An employer must offer an HDHP as a group health insurance plan in order to provide an HSA plan.
If you aren’t getting the health insurance coverage you need with an HDHP and HSA, there may be other traditional health insurance plans that may make sense for your situation.
Health Reimbursement Arrangement (HRA)
A health reimbursement arrangement (HRA) is an alternative to traditional group health insurance, where a small business owner provides tax-free healthcare reimbursement to employees. HRAs may provide coverage for healthcare costs like copays, deductibles, prescriptions and health insurance premiums. Types of HRAs include:
- Individual Coverage Health Reimbursement Arrangement (ICHRA)
- Qualified Small Employer Health Reimbursement Arrangement (QSEHRA)
- HRA 105/Section 105
If you have an HRA, you can use coverage from it to cover traditional health insurance premium costs. We can help you choose a health insurance plan that works for your budget and how much coverage you’re receiving from an HRA.
Flexible Spending Account (FSA)
Health flexible spending accounts work similarly to HSAs. An employee can contribute funds tax-free and save money for paying out-of-pocket healthcare costs, like copayments, coinsurance, a deductible and some prescriptions.
With an FSA, the contributions are typically “use it or lose it”, which means funds don’t roll over unlimited every year. You also aren’t able to use FSA funds with ACA Marketplace plans. Talk with the AZ Health Insurance Brokers experts to learn more about how to optimize your FSA contribution saving and spending.
Self-Employed & Need Insurance?
While many people get health insurance coverage through work, if you’re your own boss, you have options. More and more people are becoming self-employed or gig workers. Private health insurance can be customized to fit your exact needs and budget.
Get a free self-employed health insurance consultation to learn about your options. Depending on when you’re applying, you may also qualify for other plans, like ACA Marketplace insurance.
Learn More About Individual Medical Coverage
Not having health insurance puts you at financial risk for having to pay for your own medical costs, which can add up quickly if you’re in an accident or experience a critical illness. Don’t put your health, or your finances, at risk.
Consult with an individual health insurance expert who can show you all your healthcare coverage options. There are affordable plans available for whatever your budget is. Get coverage that protects you today.
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INDIVIDUAL INSURANCE FAQS
View some common individual health insurance questions.
