Individual & Family Health

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Countdown to coverage

Are you ready to get health insurance for yourself or your family? The right time to start depends on your specific needs—but the sooner you begin, the better prepared you’ll be. These suggestions can help you understand what steps to take when exploring individual or family health insurance, whether you’re just starting out or re-evaluating your coverage.


If you're new to individual or family insurance
Start by getting familiar with the basics: premiums, deductibles, copays, and out-of-pocket maximums. It’s also important to understand the difference between HMO, PPO, and high-deductible health plans (HDHPs). Think about your current health needs and those of your family members—how often you go to the doctor, whether you take regular prescriptions, and if you have preferred providers.


Before open enrollment begins
This is the time to start comparing plans. Look at what’s available in your area through the Health Insurance Marketplace, private insurers, or your state exchange. Check to see if you qualify for subsidies or tax credits that can lower your monthly premium. If you’re transitioning from employer coverage, make sure to time your new coverage so there’s no gap.


If you have children, consider plans that offer good pediatric care, and if you or a family member manages a chronic condition, look for a plan that includes strong ongoing care and support services.


During open enrollment
Now’s the time to finalize your choice. Review your top options carefully, and don’t forget to factor in total costs—not just the premium. Think about your annual medical needs and choose a plan that fits your budget and expected usage.


If you’re married or living with a partner, coordinate with their benefits too. Sometimes it makes more sense to join a family plan; other times, separate individual plans are more cost-effective.


After you’re enrolled
Once you’re covered, take full advantage of your benefits. Set up a primary care physician, schedule annual exams, and make sure everyone in the family understands how to use the insurance—especially in case of emergencies.


Download your insurer’s app, save your digital ID cards, and keep your plan documents handy. Knowing where to go for care (urgent care vs. emergency room) and how to file claims can save you money and stress.

Health insurance isn’t one-size-fits-all. Whether you’re choosing your first plan or making changes for a growing family, we’re here to help you understand your options and make confident decisions about your health care coverage.