Individual Health Plans
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: For coverage in 2019, Open Enrollment is October 15th 2018 to January 15th 2019. If you fail to enroll in a qualified health plan by the end of an Open Enrollment period, you will not be able to enroll in a health plan unless you experience a qualifying event.
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
- Exhaustion of COBRA or CalCOBRA benefits
- Moving out of the service area of a health plan
- 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.