Individual & Family Plan / Affordable Care Act (ACA)

Find the Right Individual & Family Health Plan for You

Navigating health insurance can be overwhelming, but the Affordable Care Act (ACA) makes it easier to find quality coverage that fits your needs and budget. Whether you’re looking for coverage just for yourself or your entire family, Individual & Family Plans provide essential health benefits including doctor visits, preventive care, prescription drugs, and emergency services. These plans are designed to protect your health while keeping costs manageable, often with financial assistance available based on your income.

With a variety of plan options and flexible coverage levels, the ACA marketplace empowers you to choose a plan that works best for your lifestyle. I’m here to help guide you through your options, answer your questions, and assist with enrollment so you can feel confident in your healthcare decisions. Let’s work together to secure affordable, reliable health insurance that gives you peace of mind all year round.

Choosing the right health insurance plan can feel overwhelming. At The Oates Group Insurance Agency, we’re here to guide you through the sea of options and simplify the process, helping you find the perfect coverage for you and your family!

The Affordable Care Act has changed how we buy health insurance, but in some areas, plan options may be limited and networks smaller. If you’re transitioning from group insurance, this might be your first time facing these challenges.

The Health Insurance Exchange, also called the Marketplace, is a great option—especially if you qualify for income-based tax credits or have preexisting conditions. There’s no medical underwriting, and coverage is guaranteed as long as you meet certain life event criteria.

There’s no one-size-fits-all approach to choosing health insurance for you or your family, and it’s natural to have questions. Navigating the Exchange on your own can be tricky, but we’re here to help. We’ll make sure your preferred doctors are in-network and assist you with estimating prescription costs so you can make informed decisions.

Services Offered:

  • Individual/Family Health Insurance

  • Short Term Medical Insurance

  • Dental/Vision

  • Critical Illness/Cancer

  • Accident Plans

  • Hospital Indemnity Plans

  • Life Insurance

  • Individual Disability Insurance

  • Long Term Care Insurance

  • Travel Insurance

Open Enrollment Has Ended — But You May Still Qualify to Enroll

Even though Open Enrollment is over, you may still be eligible to enroll in or change your health insurance plan through a Special Enrollment Period (SEP). SEPs are triggered by qualifying life events such as losing employer coverage, getting married or divorced, having a baby, moving to a new ZIP code, turning 26 and aging off a parent’s plan, or gaining lawful immigration status. These events give you a limited window—typically 60 days—to shop for a new plan or make changes to your existing coverage.

Our Individual & Family Plans are designed to provide the protection and flexibility you need, whether you’re experiencing a life transition or simply reassessing your healthcare needs. Our licensed agents are here to help you understand your options, check if your providers are in-network, and ensure your medications are covered. We’ll walk you through every step of the process to find a plan that fits both your health needs and your budget.

TESTIMONIAL

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