Individual/Family Health Plans

Coverage Basics

It can be overwhelming to select a health insurance plan from the many options available. Before getting started, it is important to understand the big changes that have happened in health insurance recently:

  • Coverage Levels: Most health insurance newly sold to individuals and small businesses must now be classified as one of four levels of coverage: Bronze, Silver, Gold or Platinum. In addition to those four levels of coverage, a minimum coverage plan is available to those who are younger than 30 or can provide certification that they are without affordable coverage or are experiencing hardship.
  • Essential Health Benefits: All health insurance plans offered in the individual and small-group markets must provide a comprehensive package of items and services, known as essential health benefits. These benefits fit into 10 categories, and include services like prescription drugs, mental health care, and emergency services.
  • Dental Coverage: All health insurance plans offer embedded pediatric dental coverage. This means that dental insurance for children is included in the price of all health plans purchased in the exchange. In addition, supplemental dental coverage for adults, through optional family dental plans is available.
  • Vision Coverage:  Vision care benefits for children are included in all health plans. Vision care for adults is available as an option from most insurance companies on our site.

We encourage you to explore all of your options using our friendly quoting engine. It’s free and easy to use.