Individual Health Insurance, Lexington, NC

If you don’t have the benefit of an employer-provided health plan or if you’re self-employed, individual health insurance becomes your responsibility. Navigating the world of individual and family health plans can be overwhelming, especially when it comes to understanding copays and coinsurance.

Individual Health Insurance in Lexington, NC

Get the essential healthcare you deserve by choosing the right insurance plan.

There are a wide variety of situations when you may not qualify for employer-provided health insurance plans. For instance, if you’re currently unable to work, a freelancer, or only working part-time, it’s a wise decision to invest in an individual health insurance plan to maintain your well-being and avoid costly hospital bills.

Individual Health Insurance in Lexington, North Carolina

Individual health insurance plans can cover a single person or a family if the policyholder wants to include coverage for their partner or children. There are countless individual health insurance options available from several major insurance providers, however, so it can be overwhelming to try to sort through all the plans and select the right one with confidence. Thankfully, if you need help finding an individual health insurance plan in the Lexington, North Carolina area, you can rely on our experienced team for assistance.

We offer personalized health care plans that cater to your unique needs as we recognize that everyone’s health care requirements are different. Our team will collaborate with you to create a plan that fulfills your present needs while also accommodating your potential future needs. We realize that comprehending health insurance can be challenging, and we are here to assist you.

That’s why our team will always be available to answer any questions you may have.

At Moser Insurance Group, Inc. we specialize in helping individuals and families find the best possible coverage without breaking the bank. When you contact us for assistance, one of our friendly team members will discuss your budget, specific concerns, and healthcare needs to gain a thorough understanding of what you need from a health insurance plan. From there, we’ll comb through numerous policies from all the top providers until we discover a few plans that will perfectly meet your needs. We can also help tailor your healthcare plan to give you greater peace of mind and additional coverage for specific treatments.

Our team of independent insurance agents can also help you apply for tax credit subsidies and find the right health insurance plan for you at an affordable price through the Health Insurance Marketplace established by the Affordable Care Act, also known as ACA or “Obamacare.”

Don’t delay – Contact our team and let us provide you with the peace of mind that comes to finding the best comprehensive individual health insurance plan for you.

At Moser Insurance Group, Inc., we help customers find individual health insurance plans in Greensboro, Jamestown, Burlington, Lexington, High Point, Winston-Salem, Archdale, Trinity, Asheboro, Randleman, Raleigh, and Charlotte, North Carolina.

10 FAQ’s for Individual Health Insurance

Why is health insurance important?

Health insurance is important because it provides financial protection in the event of unexpected accidents or health issues. It helps cover the cost of medical expenses, ensuring that you and your family have access to necessary healthcare without incurring substantial financial burdens.

What is individual health insurance?

Individual health insurance is a type of coverage that you can purchase directly for yourself or your family if you don’t have the benefit of an employer-provided health plan or if you’re self-employed. It is designed to provide medical coverage specifically for individuals and their families.

What are family health plans?

Family health plans are health insurance policies that cover the entire family, including dependents. They provide coverage for medical expenses incurred by family members, offering protection for their physical and financial health.

What is the difference between copays and coinsurance?

Copays and coinsurance are both forms of cost-sharing in health insurance. Copays are fixed amounts that you pay out-of-pocket for certain services, such as a visit to the doctor or a prescription. Coinsurance, on the other hand, is a percentage of the cost of a service that you’re responsible for paying. For example, if your coinsurance is 20%, you would pay 20% of the total cost of a covered service, and the insurance company would cover the remaining 80%.

What are major medical plans?

Major medical plans, also known as comprehensive coverage, provide extensive coverage for a wide range of medical services and treatments. These plans typically have higher premiums but offer more comprehensive benefits and lower out-of-pocket costs.

What are high-deductible health plans (HDHPs)?

High-deductible health plans (HDHPs) are health insurance plans with higher deductibles than traditional plans. They often come with lower premiums and are designed to be paired with health savings accounts (HSAs), which allow individuals to save money tax-free for qualified medical expenses.

How can Moser Insurance Group help with individual health insurance?

Moser Insurance Group specializes in individual health insurance and can help you navigate the complexities of finding the right plan. They analyze your family’s needs, explain different plan types, and guide you through the process of selecting a plan that fits your budget and provides the coverage you need.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace, established by the Affordable Care Act (ACA) or “Obamacare,” is a platform where individuals and families can compare and purchase health insurance plans. Moser Insurance Group can help you apply for tax credit subsidies and find affordable health insurance plans through the Marketplace.

What are catastrophic plans?

Catastrophic health insurance plans are designed to provide coverage for major medical expenses in the event of a serious illness or injury. They typically have lower premiums but higher deductibles and are intended to protect individuals from significant financial loss due to unexpected healthcare costs.

How can I get started with individual or family health insurance?

To get started with individual or family health insurance, contact Moser Insurance Group. Their knowledgeable team will guide you through the process, answer your questions, and help you find the ideal plan that meets your unique needs and budget. Don’t delay—take control of your health and secure the financial well-being of your family by exploring your health insurance options today.

Your peace of mind is our priority.

Speak with a professional today.

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