Individual Health Insurance Plans

Individual Health Insurance

I help individuals and families in Central Oregon find solutions to their health insurance needs. I can help you through the process of going direct to a carrier, or I can help you navigate through the exchange process.

I have been helping people solve their health insurance needs for more than 10 years. I am appointed with all the major carriers and I am very familiar with each insurance company.

I will make sure we find the best solution for your budget and needs.

Bend Health Insurance Agent Steve Thill
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Why Do You Need Health Insurance in Oregon?

Healthcare coverage is one of the most important considerations to safeguard you and your family’s health. Going health-insurance-free exposes you to substantial risk if you end up needing expensive medical care, and you don’t have enough money to cater for it. Whether you need health insurance for yourself or your family, there is a wide range of plans to fit different needs.

Why Do Individuals Need a Health Insurance Policy?

There are many reasons why individuals get a health insurance policy. For starters, health insurance covers your medical costs when you get sick or hurt and protects you from high and unexpected out-of-pocket expenses. We all need medical care at some point in our lives, so having a coverage guarantees access to the care you need to improve or manage your health.

Further, with marketplace coverage, you’ll have access to preventive services such as vaccines, screenings and some check-ups which is a key step to good health and well-being. Health coverage also informs good decision making so that you won’t have to make health decisions based on money but what’s best for your particular situation.

Why Work with An Independent Insurance Broker/Agency?

Purchasing health insurance can be a confusing and overwhelming process. When you go shopping for something as important as an individual health insurance policy, you want to make sure that any information that relates to the health insurance coverage options and discounts is made clear.

An independent insurance broker/agency offers expert advice and takes you through different offerings to find you the best coverage option that meets your needs and budget. Even after you purchase a policy, your insurance agent will continue to advise as your needs change while acting as your advocate – working with the insurance company on your behalf.

How Easy Is It to Adjust An Individual Health Insurance Policy?

It’s possible to make changes to your current individual health insurance policy. This can be done in two ways;

  • During open enrollment – Open enrollment is a special period of time when you get to start, cancel or change your health insurance plan. For 2021, open enrollment in Oregon is between Nov. 1 to Dec. 15, 2020.
 
  • During special enrollment – You’re eligible if you have a qualifying life event which includes, getting married, losing coverage due to divorce, losing a job, having a baby, death in the family, retirement, returning from military service or any other life’s main changes.
 

If you miss open enrollment or don’t qualify for a special enrollment period, then you’ll have to wait for the next open enrollment period.

Steve Thill

Can You Get Individual Health Insurance Anytime?

The best times to contact a licensed insurance broker to purchase individual health insurance is during the open enrollment or special enrollment period. You won’t get a major medical Obamacare plan outside these periods. You, however, can enroll in a short-term health plan to cover catastrophic and unexpected healthcare emergencies for a short period of time.

What Type of Customer is Most Likely to Need an Individual Health Insurance Policy?

If you aren’t enrolled in an employer-sponsored health insurance plan, then you most likely need to find private health insurance through an individual or family plan. Individuals who might enroll for self-employed health insurance include freelancers, consultants, independent contractors, etc.

Having the right health insurance is important. If both you and your spouse are looking for a new individual health insurance plan in Oregon, feel free to reach out to us to discuss your options. We want to make this experience as easy as possible for you.

How Can We Help With Your Insurance Needs?

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