Find Individual & Family Health Insurance Coverage Options
Health insurance needs can change quickly. You may be leaving an employer plan, starting your own business, working independently, looking for coverage for your family, facing the end of COBRA, or simply trying to understand the coverage options available to you.
NDS Benefit Consulting helps individuals and families navigate health insurance options based on their circumstances, coverage priorities and location.
Whether you are looking for individual health insurance, family coverage, ACA Marketplace coverage or another available health insurance option, the first step is understanding what you need.
Health Insurance Guidance Based on Your Needs
Coverage decisions are not one-size-fits-all. Your household, employment situation, current coverage, doctors, prescriptions, budget and coverage priorities can all affect which options are appropriate to explore.
NDS can assist individuals and families who are:
- Self-employed or starting a business
- Working as independent contractors or 1099 professionals
- Between jobs
- Losing employer-sponsored health insurance
- Considering alternatives after employer coverage ends
- Approaching the end of COBRA coverage
- Looking for individual health insurance
- Looking for family health insurance
- Exploring ACA Marketplace coverage
- Comparing available health insurance options
- Planning ahead for an upcoming change in coverage
- Unsure where to begin
What Should You Consider When Comparing Health Insurance?
The lowest monthly premium is not always the only factor to consider.
Depending on your circumstances, important considerations may include:
- Monthly premiums
- Deductibles
- Out-of-pocket costs
- Provider networks
- Access to your doctors and specialists
- Hospital and health system participation
- Prescription drug coverage
- Family coverage needs
- Eligibility for Marketplace coverage and potential financial assistance
- Your expected healthcare needs
- The date you need coverage to begin
NDS helps you organize these considerations so you can better understand the options available to you.
ACA Marketplace Health Insurance
The Health Insurance Marketplace provides individual and family health insurance options for eligible consumers. Depending on household circumstances, some consumers may qualify for financial assistance through the applicable Marketplace.
Marketplace availability, eligibility, financial assistance and enrollment requirements depend on the consumer’s circumstances and applicable Marketplace rules.
NDS can help consumers understand the appropriate next step and, where NDS is appropriately licensed, registered, appointed or otherwise authorized, assist with available coverage options.
Health Insurance for Self-Employed and 1099 Professionals
Leaving traditional employment often means leaving employer-sponsored health insurance behind.
Self-employed individuals, business owners, freelancers and independent contractors may need to obtain health insurance for themselves or their families.
NDS helps you explore available coverage pathways and consider factors such as affordability, provider access, prescription needs, deductibles and overall coverage.
Health Insurance After Losing Employer Coverage
Losing or leaving employer-sponsored health insurance can create an immediate need to understand your next options.
Depending on your circumstances, options may include COBRA, coverage through a spouse or family member, Marketplace coverage or other available individual health insurance options.
The appropriate path depends on your circumstances, timing and eligibility.
If your employer coverage is ending soon, you do not have to wait until after it ends to begin understanding your options.
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Tell us a little about your situation, the people who need coverage and what matters most to you.
Your answers will help NDS understand your needs and determine the appropriate next step.
Completing a coverage request does not enroll you in a health insurance plan and does not guarantee eligibility, financial assistance, plan availability or coverage.
Start Your Benefits Snapshot
Whether you currently offer benefits or are exploring where to begin, this assessment provides a clear view of what’s in place, what may be missing, and where opportunities may exist.
Takes less than 2 minutes
No obligation
For informational purposes only