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Individual Health Insurance Plans

If you're self-employed or not covered by your employer, an individual health insurance plan provides protection and peace of mind for you and your family. High deductible plans are available with Health Savings Accounts: tax-advantaged savings that you can use for your medical expenses.

Individual coverage starting at:

  • $
  • 141
  • 37 
  • /month*

Family coverage starting at:

  • $
  • 264 
  • 51 
  • /month*

*Premiums shown are for zip code 60614 (Chicago, IL) for a Single: 32-yr-old $2,000 deductible, $6 million lifetime maximum, 80/20 rate of payment) and Family: +32-yr-old spouse & 1 dependent with $3,500 deductible an effective date of 5/2/2010. Preferred rates are subject to underwriting.

Click "Free Online Quote" and enter your information and ZIP code for more information on specific coverages and rates for your state.

High deductible Individual Medical plans are available with tax-advantaged savings plans.

Is Individual Medical Insurance right for me?

It can be if you fall into any of the categories below:

  • Self-Employed
  • Not covered by your employer
  • Working part time
  • Retiree not yet eligible for Medicare
  • Not employed and unsure when you'll get coverage

Get health insurance the way you want it:

  • Up to a $15 million lifetime benefit maximum
  • Worldwide coverage, 24 hours-a-day
  • Your choice of doctors and hospitals from extensive networks
  • No referrals necessary to see a specialist

Health Savings Accounts (HSAs)

What is an HSA? It's an innovative and practical savings account for your medical bills that you can set up with Assurant Health. You won't pay tax on the funds you deposit or the interest you make. Use your funds to pay for your qualified medical expenses, or start a nest egg for retirement. Your money stays yours. Since your balance rolls over each year, "use it or lose it" doesn't apply.

HSA Benefits & Features:

  • Get greater control over your health care dollars. You withdraw your funds when you need them.
  • Your funds cover expenses that apply toward your deductible.
  • Your funds also cover qualified medical expenses that your health plan doesn't cover including non-prescription drugs.
  • Your funds cover long-term care insurance.
  • You'll get tax advantages* on contributions, interest and qualified withdrawals.
  • Your HSA is easy to manage - all online.
  • Your HSA acts as a retirement income supplement. At age 65, accumulated funds can be withdrawn for non-qualified expenses or medical expenses not covered by Medicare. Funds for non-qualified expenses are subject to income tax.

*Assurant Health and its legal entities are not engaged in rendering tax, investment or legal advice. Federal and state tax regulations are subject to change. If tax, investment or legal advice is required, seek the services of a licensed professional.
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