Individual health insurance is a good option for those who are:
- Self-employed.
- Working for a company without insurance benefits.
- Covered under a spouse’s group family plan.
- Currently looking for work.
- On COBRA.
- Retired.
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An HSA helps individuals save for future medical expenses on a tax-free basis. HSAs must be paired with
high-deductible plans that also generally feature lower premiums.
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Short-term health insurance is designed for those who are between permanent health plans. These plans are
a good fit for individuals affected by a temporary layoff, are between jobs, have seasonal employment, or
are no longer a dependent. |
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Some insurance companies offer plans that do not require medical underwriting and most states have a
guaranteed issue product. |
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