Individual health insurance covers the medical expenses of only one person or family. Unlike group insurance, you purchase individual insurance directly from an insurance company. When you apply for individual insurance, you are evaluated in terms of how much risk you present.

This is generally done through a series of medical questions and/or a physical exam. Your risk potential determines whether you qualify, and how much your insurance will cost.

The most common types of plans are HMO, PPO, POS, HSA and Indemnity plans.

For small business owners with major pre-existing conditions there is an option for coverage if they meet the requirements and qualify as a "small group." This is what is referred to as guaranteed issue coverage. The insurance company may ask health questions, but this is only done for the purpose of rating the premium to charge for the group health coverage.

To qualify for a small group health insurance policy there will be certain eligibility requirements. You may need to prove that you are a legitimate business and have been in operation for a specific period of time. Business tax returns, a business license, a tax payer identification number, payroll records or other documents of proof may be required. Please contact us if you are interested in this option.

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