Enroll by December 15, 202638 Days Left
Individual and Family Health Insurance
Find individual health insurance or a family plan for 2027 that fits your household and your budget, with a licensed agent on your side.
- 2027 Out-of-Pocket Cap for One Person
- $12,000
- Last Day on HealthCare.gov
- Jan 15, 2027
Coverage for Every Situation
Self-Employed Health Insurance
Coverage for freelancers, contractors, gig workers and owners without a group plan.
Special Enrollment Period
Enroll outside Open Enrollment after a qualifying life event.
Dental and Vision Insurance
Stand-alone dental and vision plans for checkups, cleanings, exams and glasses.
Travel Medical Insurance
Medical coverage for trips abroad, from short vacations to long stays.
Health Insurance When You Don't Have a Job-Based Plan
Marketplace plans, also called ACA or Obamacare plans, are for anyone who buys coverage on their own. We help with every kind of household.
- Individuals and Couples Without Job-Based Coverage
- Families With Children and Young Adults
- Early Retirees Not Yet on Medicare
- Workers Whose Job Offers No Health Plan
- People Between Jobs or Starting a Business
Individual Health Insurance Plans by Metal Level
Every metal level covers the same essential benefits. What changes is how you split the cost between the monthly premium and the bills when you get care.
Premium Tax Credits and Cost-Sharing Reductions
Three programs lower what you pay for marketplace coverage. The 2027 tax credit rules are stricter than the last few years, so the details matter.
See 2027 Income Limits by Household SizePremium Tax Credit
Lowers your monthly premium based on your expected 2027 household income and the people on your tax return. It's paid straight to the insurance company, and you can put it toward a bronze, silver or gold plan.
Cost-Sharing Reductions
If your income qualifies, silver plans come with a lower deductible, lower copays and a lower out-of-pocket limit. You only get them by choosing a silver plan through the marketplace.
Medicaid and CHIP
If your household qualifies for Medicaid, or your children for CHIP, that coverage takes the place of a tax credit. We check this first, so you apply for the right program.
Check Your Network and Drug List Before You Choose
The cheapest plan isn't a bargain if your doctor is out of network or your medication costs more.
An HMO usually covers only in-network care and may need a referral for a specialist. An EPO also stays in network, often without referrals. A PPO costs more but pays part of the bill when you see doctors outside the network.
- Your Doctors, Clinics and Hospitals in Network
- Your Prescriptions on the Plan's Drug List
- Deductible, Copays and Out-of-Pocket Maximum
- Your Total Yearly Cost, Not Just the Premium
How We Compare Plans With You
Tell Us Who Needs Coverage
Everyone on your tax return and the care you expect next year.
Estimate Your Tax Credit
We build your 2027 income estimate and check for cost-sharing reductions.
Compare Plans Across Insurers
We narrow the field to the few plans that fit, whichever insurer offers them.
Enroll and Get Help All Year
We finish the application with you and stay your contact for claims and changes.
Get Help Choosing Your 2027 Plan
Thank You, We Have Your Request
Want a set time instead? Pick one on our calendar.
What Individual and Family Clients Say
I've had a fantastic experience using Beyond Health Consulting as our health insurance guide, both for individual plans through the marketplace and also for getting our small business employer plans. Colleen really knows her stuff and she's generous with her knowledge… She's also just saved us so much money over the last 18 months from guiding us to good health insurance plans.
Beyond Health has been a great help, guiding me through the complex world of comparing and setting up different insurance plans and options. My agent, Colleen, especially provides easy to understand communication and clearly cares about my case.
The agent helped me understand my health care so I felt empowered making informed decisions. I've referred several people to them and will continue to do so.
Individual Health Insurance FAQ
How Much Does Individual Health Insurance Cost?
It depends on your age, zip code, household size, tobacco use, income and the plan you pick. Many people pay far less than the listed price because of a premium tax credit. We show you real 2027 prices with your credit applied.
What Is the Difference Between Individual and Family Health Insurance?
They're the same plans. A family plan puts a spouse or dependents on one policy, with one family deductible and one family out-of-pocket limit.
Can My Kids Stay on My Family Health Insurance Until 26?
Yes. Children can stay on a parent's plan until they turn 26, even if they're married, in school or living on their own.
Is an Indemnity Plan the Same as ACA Health Insurance?
No. Marketplace plans must cover pre-existing conditions, can't cap what they pay for covered care over your lifetime and cover preventive care at no cost. Indemnity plans vary, many skip those protections, and tax credits can't be used on them.
Find the Right 2027 Plan for Your Family
We meet by phone or video, at a time that suits you.
Beyond Health employs licensed insurance producers authorized to sell life and health insurance in Utah, Idaho, Wyoming, Colorado, Montana and South Carolina. Our activities comply with state licensing requirements and partner carrier guidelines. Product availability and enrollment options may vary by state. Plan details, prices and deadlines on this page come from government and insurer sources and can change. Your agent confirms them before you enroll.