INDIVIDUAL HEALTH INSURANCE

This form of insurance is issued to both individuals and families, many of whom are self-employed or not covered under a group health insurance plan from their employer. Many people who are employed and have a health benefit find it less expensive to have their spouse and/or children covered with individual policies.

This may not have been true in the past but individual health insurance plans are likely to be less expensive than group insurance. The reason is because most group plans are guaranteed issue. Although the rate might change depending on the overall health of the group, everyone is guaranteed insurance. This tends to lead to higher prices than individual plans.

However, individual health insurance is medically underwritten. The company has the right to decline to insure an applicant and in many states can use waivers to exclude high risk conditions.

The newest plans have an option where you can receive income tax deductions even if you do not itemize. And all the while save 30-60% from more traditional plans.

It takes a health insurance professional to assist you in finding the right plan and the right price. And there is no charge for this service!

We represent many, if not most of the major carriers and will be happy to help you with your individual health insurance needs.

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Green Sky Insurance Services, LLC - Phone: 818-342-9200 Fax: 818-342-4386
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