• Is purchased by the individuals.
• Requires that the applicant complete an application, which includes health history questions, and be approved for coverage.
• Offers various plan designs and cost structures enabling consumers to balance the "fixed" cost of premiums and the risk of "variable" costs known as deductibles, co-insurance, and co-pays. The more variable cost risk consumers are willing to assume, the lower their fixed costs; the less variable cost risk they are willing to accept, the higher their fixed cost will be. Only you and your insurance agent can identify the balance best for your unique situation and needs.

Note: If you choose not to elect continuation of group coverage under COBRA you will loose valuable rights under HIPAA.