Individual Health Open Enrollment
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Individual Health Insurance

Simplifying coverage for every stage of life.

There are many reasons why you might choose to explore an individual health plan: maybe you’re retiring early, preparing for a gap in employment, or you could be a 1099 employee. Then, there’s the major reason why you might be hesitant – it’s a complicated landscape.

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Self-Employed Individual Health Insurance

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Individual Health Insurance After a Life or Employment Change

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Open Enrollment.

Now through January 15 is your annual opportunity to review your individual health coverage and consider your options for the year ahead. Here are answers to common questions about enrolling, changing coverage, and what happens outside the enrollment period.

It’s the annual period when you can enroll in or make changes to your health coverage.

Yes. Your needs, budget, providers, or available plan options may change, making Open Enrollment a good time to review your coverage.

Yes. You can review your current coverage and compare available options for the upcoming year.

You’ll need your household income, Social Security numbers, current insurance information, and details for anyone applying for coverage with you.

Network participation varies by carrier and plan. Before enrolling, review provider directories to ensure your preferred doctors and hospitals are included.

You may still qualify for a Special Enrollment Period (SEP). Special Enrollment is available if you experience certain life changes—like losing employer coverage, moving, getting married, or having a baby. If none of these apply, you’ll need to wait until the next Open Enrollment period to make changes or enroll in a plan.

Explore Individual Health Plan Options

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Blue tooth outline beneath the word “DENTAL” on a black background.
Orange eye icon beneath the word “VISION” on a black background.

Your health. Your plan.

With personalized medical, dental, and vision solutions, you can customize your plan by choosing deductibles, copays, out-of-pocket limits, and preferred doctors, ensuring it meets your specific needs for comprehensive coverage.

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Choosing your own health coverage can bring up a lot of questions. Start with answers to some of the most common questions about individual health insurance and your options.

It’s health coverage you purchase for yourself or your family rather than receive through an employer.

It may be a good option if you’re self-employed, work as a 1099 contractor, are between jobs, or retire before becoming eligible for Medicare.

Yes. An individual plan may help bridge the gap between employer-sponsored coverage and Medicare eligibility.

Yes. Self-employed individuals and 1099 contractors can purchase their own coverage rather than receive it through an employer.

Compare costs, deductibles, copays, out-of-pocket limits, provider networks, and other coverage details based on your healthcare needs.

Yes, dental and vision options may also be available alongside your health coverage.

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Work with a consultant who knows the individual marketplace from front to back.

When you decide to pursue an individual health plan, you have the entire marketplace at your disposal. Working with M3 Elevate ensures that you feel confident knowing your plans fit your needs – and your budget.

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