Health Insurance in Palm Desert, CA
Individual health insurance is a type of coverage that you purchase on your own rather than through an employer. This type of insurance is essential for those who are self-employed, unemployed or whose employers do not offer health benefits.
What Is Individual Health Insurance?
Individual health insurance policies are designed to cover medical expenses such as doctor visits, hospital stays, prescription drugs and preventive care. Unlike group insurance plans, individual policies are tailored to meet the specific needs and budgets of the policyholder. 
Benefits of Individual Health Insurance
The following are potential benefits of choosing individual health insurance:
- Personalized coverage—Individual plans offer a range of options, allowing you to choose the coverage that best suits your health needs and financial situation.
- Portability—Since the policy is not tied to your job, you can keep your coverage even if you change jobs or move to a different state.
Choosing the Right Plan
When selecting an individual health insurance plan, consider the following factors:
- Premiums—The monthly cost of the insurance.
- Deductibles—The amount you pay out-of-pocket before the insurance starts covering expenses.
- Network—The doctors and hospitals that are covered under the plan.
- Coverage—The types of medical services and treatments that are included.
Learn More
Understanding your options and choosing a plan that matches your needs can help protect your health and financial well-being. Whether you’re self-employed, between jobs or simply seeking better coverage, individual health insurance offers flexibility and peace of mind. Contact Farrell Insurance Agency to discuss your options.