What Is Individual Health Insurance?
Individual health insurance is medical coverage you buy on your own instead of through an employer. It covers you, and your family if you choose, with the same essential benefits as employer plans: doctor visits, hospital care, prescriptions, and preventive services. You can buy it on-exchange through your state's ACA marketplace, such as Covered California, or off-exchange directly from a carrier.
The difference matters. Marketplace plans are the only ones eligible for premium tax credits, income-based subsidies that can dramatically lower your monthly cost. Off-exchange plans skip the subsidy but sometimes open up networks and plan designs the marketplace does not list. Plans in both channels are organized into metal tiers, from lower-premium Bronze plans to richer Gold and Platinum options.
Here is what matters when you shop: individual health rates are filed with state regulators, so the same plan costs the same whether you buy direct or through a licensed agent. Working with Saint Moore adds a subsidy check, a side-by-side comparison across carriers, and a real person to call all year, at no added cost to you. This is also where health insurance for the self-employed lives. If you run your own business or earn 1099 income, an individual plan is usually your path to coverage, and we will help you time enrollment and document income correctly.
Who We Can Help
Individual coverage exists for every season where an employer plan does not. Saint Moore works with:
- Self-employed professionals and 1099 earners who need coverage without a group plan
- People between jobs or watching COBRA run out
- Young adults turning 26 and aging off a parent's plan
- Early retirees bridging the years before Medicare
- Families adding spouses and kids to one household plan
- Anyone who missed open enrollment and wants to know if a qualifying life event opens a special enrollment window
We estimate your premium tax credit before you apply, then handle the marketplace enrollment with you so nothing gets mis-entered and your subsidy lands correctly.
If subsidies are not in play, we compare plans carriers sell directly, which can unlock different networks and designs the marketplace does not show.
Claims questions, doctor changes, and coverage checkups go through us, at no extra cost. The rates are the same with or without an agent, so the support is the difference.
How to Get Individual Health Coverage with Saint Moore
Getting covered is simple. Here’s how to get your policy started with Saint Moore in four easy steps.
Getting covered on your own is simpler with a licensed guide, and the plan costs the same either way.
Step 1: Tell Us About Your Situation
Call us at (909) 793-2151 or request a quote online. We talk through your household, income, doctors, and prescriptions, and check whether a qualifying life event opens enrollment for you today.
Step 2: We Check Subsidies and Compare Plans
We estimate your premium tax credit, then compare marketplace and off-exchange plans side by side, including whether your doctors are in network.
Step 3: Review a Clear Comparison
You see what each plan costs after subsidies, what it covers, and what we recommend, in plain language.
Step 4: Enroll and Get Support
We complete the enrollment with you and stay your point of contact for claims, ID cards, and changes all year. That is the Saint Moore difference.
Local roots. Nationwide reach.
St. Moore is headquartered in Redlands, CA, and deeply rooted in the Inland Empire but our carrier network covers all 50 states. Whether you're a local homeowner, a regional business, or have assets across multiple states, we have the market access to protect them.
Need Health Coverage of Your Own?
Request a free individual health insurance quote from Saint Moore. We will check your subsidy, compare marketplace and off-exchange plans, and help you enroll with confidence.
Yes, if you have a qualifying life event. Losing job coverage, moving, getting married, having a baby, or aging off a parent's plan each opens a special enrollment period, usually 60 days from the event. We confirm which window applies to you before you apply.
No. Individual health rates are filed with state regulators, so the premium is identical whether you enroll directly or through a licensed agent. Working with Saint Moore adds a subsidy check, plan comparisons, and year-round support at no added cost.
Premium tax credits are income-based subsidies that lower the monthly cost of marketplace plans. Eligibility depends on household size and income. We estimate your credit before you apply so there are no surprises at tax time.
On-exchange plans are sold through your state's ACA marketplace and are the only plans eligible for subsidies. Off-exchange plans are purchased directly from carriers and sometimes offer networks or designs the marketplace does not list. We compare both channels side by side.
