Individual
Health Insurance Plans
Individual Annual Open Enrollment is Nov 1st thru January 15
Individual Open Enrollment
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We do not work for an insurance company; we work for you. We work on your side when you need help and follow through to see that you get fair, prompt payment and service. We can help you with your health insurance needs both on and off the Marketplace.
Each year, there is a period called “open enrollment,” which runs from November through January. During this time, you can shop and apply for a new health insurance plan if you find your current plan unsuitable. Once open enrollment period ends, you cannot buy or change a plan unless, you have a qualifying life event (such as losing your current coverage, getting married, or having a baby).
Consumers are also offered tax credits if their household income falls below established thresholds.
Until recently, most people got their health insurance from their employer, and those with lower incomes received coverage from the government. But more and more, people are buying private health insurance plans tailor made for individuals, and families.
Individual Health Options
• Medical (on and off Marketplace)
• Dental Insurance
• Disability
• Life Insurance
• Short Term Medical Insurance
Frequently Asked Questions
What is the Marketplace?
Individuals, families, and small business owners can enroll for health insurance coverage that best fits their needs with HealthCare.gov’s Marketplace.
What Documents Do I Need to Apply as an Individual or as a Family?
• Social Security numbers
• Birth dates
• Employer and income information
• Policy numbers for current health insurance policy
• Information on any health insurance plan that’s available to your family through a job
What is the premium tax credit?
• The premium tax credit is designed to help eligible individuals and families afford health insurance purchased through the Health Insurance Marketplace, also known as the Exchange.
• The size of your premium tax credit is based on a sliding scale.
Who is eligible for the premium tax credit?
• If you have a household income that falls within a certain range.
• Credit is determined by age, zip code, family size and annual income.
What are some of the key features of the Affordable Care Act?
- People with pre-existing conditions, including cancer, cannot be denied coverage, or charged more for their health insurance.
- People who do not receive health insurance through their employer, or through federal programs like Medicare or Medicaid, can buy health insurance through online insurance exchanges, also known as Marketplaces.
- Health plans must cover essential health benefits including cancer treatment and follow-up care.
Who can be covered through Marketplace?
- Must live in the United States
- Be a U.S. citizen or national
- You cannot be incarcerated
When will my coverage be effective.
The first of the month following enrollment.
How do I pay my insurance premiums?
- Once you are enrolled in Marketplace insurance don’t forget to pay your monthly premium directly to your health insurance company, not to the Health Insurance Marketplace®.
- Set up an account and pay online or send your information to the carrier to have the premium drafted from your checking account. Our staff at Stone Insurance will help and guide you through the process to get set up.
How do I get proof of my marketplace insurance?
- After you have enrolled in Marketplace insurance, you will get a membership package in the mail with information about your coverage.