Individual Health Insurance

At Get PNW Insurance, we specialize in helping individuals and families find the right ACA health coverage, offering clear guidance, expert advice, and personalized support every step of the way.

Health insurance is essential for protecting yourself from high medical costs, but navigating the options can be overwhelming. With ACA plans, employer coverage, short-term insurance, and more, how do you pick the right one?

Choosing the right health insurance saves money and stress. Review your options, compare plans, and enroll on time!

Types of Health Insurance

Affordable Care Act (ACA) Plans (Obamacare)

  • Sold on HealthCare.gov or state marketplaces
  • Covers essential health benefits (preventive care, ER visits, prescriptions)
  • Income-based subsidies available

Employer-Sponsored Insurance

  • Provided by employers (usually group plans )
  • Often cheaper than individual plans
  • COBRA lets you keep coverage after leaving a job

Medicaid & CHIP (Low-Income Options)

  • Free or low-cost for eligible low-income individuals
  • CHIP covers children in families that don’t qualify for Medicaid

Medicare (For Seniors & Disabled)

  • Part A (Hospital) & Part B (Medical)
  • Part C (Medicare Advantage) & Part D (Drugs)

Short-Term Health Insurance

  • Temporary coverage (1 month – 1 year)
  • Doesn’t cover pre-existing conditions
  • Cheaper but less comprehensive

How to Choose the Best Health Insurance Plan

Step 1: Check Your Needs

  • Do you visit doctors often? → Lower deductible plan
  • Healthy & rarely sick? → High-deductible plan (lower premium)
  • Take regular medications? → Check drug coverage

Step 2: Compare Networks

  • HMO – Must see in-network doctors (lower cost)
  • PPO – More flexibility (higher cost)

Step 3: Estimate Total Costs

Premium + deductible + copays = Real cost

Step Get a FREE Quote

Make an appointment with us today!

When Can You Enroll?

Missing deadlines can lead to late penalties! Key enrollment periods:

ACA Open Enrollment: For most individuals

Dates Nov 1 - Jan 15

Employer Plans: Employees

Varies - Ask your HR

Medicaid/CHIP: Low-income individuals

Anytime (if eligible)

Special Enrollment Period (SEP): Qualifying life events

Varies (60 days after job loss, marriage, etc.)

Common Health Insurance Mistakes to Avoid

  • Waiting until you’re sick to enroll (ACA has strict deadlines)

  • Not checking if your doctor is in-network

  • Ignoring subsidies (you might qualify for help!)

  • Assuming short-term plans cover everything (they don’t!)