Individual medical plans are often the only choice for the self-employed or not employed person.

Plans are available in HMO, PPO, POS and indemnity versions. Medical underwriting is much more stringent with individual plans.

All applicants must answer health questions and routinely secure their own medical records.

An excellent use of individual plans is for spouse and child (ren) coverage, where the employer only pays for the employee's coverage and not for the family. A healthy family can realize significant savings compared to a group plan.

We represent all major carriers.