Traditional Health Insurance Plans

Custom Plans To Fit Your Needs

Traditional individual insurance is often referred to as a comprehensive health insurance plan purchased by an individual, as opposed to employer-provided group insurance. Individual coverage is designed for those without employer based insurance, who do not qualify for government programs. You have many choices when you shop for health insurance, and you will need to make informed decisions about the benefits they offer. Each plan is different but H&H Insurance Solutions is here to guide you and explain every detail so you can make the best choice for your family.

Key Features of Traditional Individual Insurance:

• ACA Compliant: These plans must adhere to the Affordable Care Act (ACA) guidelines. 
  • Applicants can not be denied coverage based on pre-existing conditions.
  • Essential benefits such as preventative care, prescription drugs and hospitalization are offered.  
  • Coverage cannot be denied based on past health history.
• Cost-sharing components:
  • Premiums: The monthly payments you make to keep the insurance active.
  • Deductibles: The amount you pay out-of-pocket before insurance starts covering costs.
  • Coinsurance: The percentage of costs you share with the insurance company after the deductible is met.
  • Copays: Flat fees for specific services like doctor visits and medications.
• Tiered Plans:   A way to structure benefits so they have different levels of cost-sharing for the insured. Metal tiers include Bronze, Silver, Gold and sometimes platinum. 
  • Lower-tier plans (like Bronze) usually have lower premiums but higher deductibles and coinsurance.
  • Higher-tier plans (like Gold) have higher premiums but offer better overall coverage with lower out-of-pocket costs.