Affordable Individual and Family Plans

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All ACA Plans in One Place

Health insurance for yourself or your family including a wide range of options from the nation’s top health insurance companies.

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Easily compare plan costs and benefits. Then, get an estimate of how much you’ll pay out-of-pocket and find the plan that may be right for you.

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Within minutes, get the coverage you and your family need, see if you are eligible IRS subsidies, and instantly apply them to your premium. It’s that easy!

Individual and Family Insurance Plans

Individual and family health insurance plans can help cover medical expenses and help you and your family take advantage of preventative health care services. Health insurance coverage can save you money on doctor’s visits, prescriptions drugs, preventative care, and other health care services

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Your Questions Answered

What is individual and family health insurance?

Individual and family health insurance is a type of health insurance coverage that is available to individuals and families, as opposed to employer groups or organizations. You may be surprised with the variety and affordability of the individual and family health insurance options available.

How can I find the available plans?

You can find all individual and family health insurance plans that are in your area through AARP® Converge Powered by Softheon. Just enter a few anonymous details to get started here

What is an insurance premium?

The premium is the amount you pay to have an insurance plan. The cost will vary by person and if your income is below 400% of the Federal Poverty Level you may receive subsidies from the government to reduce your cost. You pay your portion of the premium even if you don’t use medical care that month. If you don’t pay your portion of the premium, the policy is canceled and you can’t sign up again until next open enrollment.

What are doctor and Rx co-payments?

A co-payment is a fixed amount you’ll pay for a medical service (doctor visit, emergency room visit, prescriptions) with the insurance company paying the remainder of the cost. For example, you may pay $25 for a visit to the doctor’s office that would cost $150 if you didn’t have a co-pay plan. After your co-pay, the health plan pays the balance of your charges including lab work or x-rays. Some plans do not offer co-pays but rather have all medical expenses applied to the annual deductible. Insurance carriers tend to charge much higher premiums for plans with co-pays, you should compare the cost/savings of more basic (HSA qualified) plans and consider a lower cost option saving the difference for when you do have claims.

What is a premium?

The amount the policyholder or their sponsor (e.g. an employer) pays to the health plan to purchase health coverage.

What is an annual deductible?

If you need medical care, a deductible is the amount you pay for care before the insurance company starts to pay its share of the medical costs. With many of the new plans most expenses (doctor, prescriptions, ER, etc.) will be applied to your deductible. Once you meet your deductible, your insurance company begins to cover some or all of the costs of your care. Some plans have lower deductibles, like $1,000, others have higher deductibles, like $3,000. Many plans are required to provide preventive services at no cost to you, even before you’ve met your deductible. It is important to note that even though you are required to pay 100% of the cost until you have met your deductible, you will receive large discounts on all of your care by using an “in network provider”.

What is a deductible?

The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, policyholders might have to pay a $500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care. Fortunately, many policies do not apply co-pays for doctor visits or prescriptions against your deductible.

What is co-payment (or co-pay)?

The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an insured person might pay a $45 co- payment for a doctor visit, or to obtain a prescription. A co-payment must be paid each time a particular service is received.

What are exclusions?

These are services that are not covered. The insured are generally expected to pay the full cost of non-covered services out of their own pockets.

What are coverage limits?

Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan maximum payment. In addition, some insurance company schemes have annual or lifetime coverage maximum. In these cases, the health plan will stop payment when they reach the benefit maximum, and the policyholder must pay all remaining costs. In general, ACA plans, while expensive, do not have coverage limits, but private forms of health insurance such as short term health insurance do.

*Insurance products sold and serviced by independent licensed insurance agencies, agents or companies.  Welltheos LLC (DBA W3LL), a New York resident licensed insurance agency (license # LB-1492631), serves as the agent/producer for the Medical Plans. Welltheos LLC (DBA W3LL) is also licensed as a nonresident insurance agency, or otherwise authorized to transact business as an insurance agency, in all 50 states and the District of Columbia. AARP and its affiliates are not licensed agents/producers and do not sell or service insurance products. Softheon does not sell insurance.

View Important Disclosures Below

AARP Converge powered by Softheon is an AARP-branded eCommerce website. Softheon, Inc. powers this online insurance marketplace by providing
web-based information systems. Softheon does not sell insurance.

This website makes available insurance products and services issued and sold through unaffiliated third parties but does not include all insurance companies or all types of insurance products available in the marketplace. You are encouraged to consider your needs when selecting products. AARP does not make product recommendations for individuals.

Welltheos LLC (DBA W3LL), a New York resident licensed insurance agency (license # LB-1492631), serves as the agent/producer for the Medical Plans. Welltheos LLC (DBA W3LL) is also licensed as a nonresident insurance agency, or otherwise authorized to transact business as an insurance agency, in all 50 states and the District of Columbia. A licensed insurance agent/producer may offer assistance to insurance customers as appropriate.

Please note that each insurer has sole financial responsibility for its products.

Attention: This website is operated by Welltheos LLC (DBA W3LL) and is not the Health Insurance MarketplaceSM website. In offering this website, Welltheos LLC (DBA W3LL) is required to comply with all applicable federal laws, including the standards established under 45 CFR § 155.220(c) and (d) and standards established under 45 CFR § 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance MarketplaceSM website. To see all available data on QHP options in your state, go to the Health Insurance MarketplaceSM website at HealthCare.gov.