Individual Health Insurance
Major Medical Coverage for 12+ Months
If you’re not sure whether you’ll find a job or other coverage in the next 11 months, an individual health insurance policy may be right for you. These plans (also called major medical) are most like the group health plan your last employer offered.
Key reasons to sign up for an Individual Health Plan:
- Our individual health plans are often more affordable than COBRA.
- You may be able to get federal financial assistance to help pay for your coverage.
- Our individual health plans meet the Affordable Care Act requirements and include the essential health benefits such as emergency services, prescription drugs, preventive care.
Keep in mind, if you choose or currently have COBRA, you won't be able to change insurance until the next open enrollment period.
Compare Your Options
|Short-Term Health Insurance Plans||Major Medical Insurance Plans||COBRA|
|ACA Compliant*||No3||Yes||See your COBRA notice2|
|Financial help available||No3||Yes||No|
|Coverage length||1-11 months||12+ months||Up to 18 months (or 36 months in rare cases)|
|Coverage level||Basic||Major||See your COBRA notice2|
|Option to buy dental coverage||No||Yes||See your COBRA notice2|
|Preventive care||No||Yes||See your COBRA notice2|
|Prescription drug program||Yes (limited)1||Yes||See your COBRA notice2|
1See short-term insurance plan details for prescription drug program limits.
2The COBRA plan column shows information that’s typical of COBRA plans. Your COBRA notice will list the benefits you had with that coverage.
3Short-term plans give you basic health care coverage, but they don't meet the minimum essential coverage requirements of the Affordable Care Act. As a result, you may have to pay a tax penalty and you can’t receive federal financial assistance with these plans.
If you’d like to learn about your options, call our Licensed Blue Cross and Blue Shield Agents at 1-888-909-9987.
for a Blue Cross and Blue Shield of Texas plans
Job Change Tips
for the unemployed
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