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Individual & Family Health Insurance

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The next Open Enrollment for individual plans will be November 1st to January 31st for coverage beginning in 2025.

Individual and family health insurance is specifically tailored to those not covered by employer groups or organizations. Due to the continually rising cost of health care, it has become more important to provide health insurance for you and your family.  Open Enrollment is the time of year to shop and compare health plans and make your selection for the coming year.  The next Open Enrollment for individual plans will be November 1st to January 31st for coverage beginning in 2025.  You may also  enroll if you experience a Qualifying Event which triggers a Special Enrollment Period (see below).

SPECIAL ENROLLMENT:  If you experience a Qualifying Event during the year, you will have the option to enroll in a plan outside of the normal open enrollment period. You have 30 or 60 days from the event date to enroll in a new plan. Below are some of the more common qualifying events that individuals experience:

  • Involuntary Loss of Minimum Essential Coverage because of a loss of eligibility due to:
    • Legal separation or divorce
    • No longer meeting eligible dependent status (such as reaching maximum dependent age)
    • Termination of employment
    • Reduction in employment hours making you ineligible for benefits
    • Exhaustion of COBRA or CalCOBRA benefits
    • Moving out of the service area of a health plan (for example, relocating from one state to another, or moving to an area where your HMO is not available.)
  • Gaining a Dependent through marriage, birth, adoption

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For more information on qualifying events, please contact RealCare at (800) 939-8088.

We offer a broad selection of individual and family medical insurance plans ranging from less expensive plans that provide coverage in case of a major accident or illness; to plans that offer comprehensive coverage for all your healthcare needs.

As an independent agency, RealCare Insurance Marketing can provide insurance plans from numerous health insurance companies. With the health insurance market changing frequently, we are always on the lookout for quality, service-oriented insurance companies for our clients.  And, our experienced agents can help you navigate through what is often an overwhelming number of plans – to find the one that is right for you.