To qualify, you’ll complete a brief application so the insurance company can conduct its underwriting process. This typically involves reviewing your MIB (Medical Information Bureau) report and prescription history to verify your health status and determine eligibility. Your rates are based on age and ZIP code.
These plans are best suited for individuals who:
Are relatively healthy with no major pre‑existing conditions
Prefer low deductibles and access to nationwide PPO networks
Do not qualify for government subsidies
Prefer not to share their health information with government agencies
Are self‑employed, freelancers, or employees of small businesses that do not offer benefits
This type of private coverage offers flexibility, affordability, and nationwide access, making it an excellent choice for people who want high-quality care without the high price tag.