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Getting Started

Health Insurance Marketplace

Whether you're self-employed, between jobs, not offered employer coverage, or retiring early, individual health insurance gives you the protection and flexibility you need.

Health Insurance

What Is Individual Health Insurance?

Individual health insurance is coverage you purchase on your own — not through an employer. It helps pay for:

  • Doctor visits
  • Hospital stays
  • Prescription medications
  • Preventive care
  • Specialist services
  • Emergency treatment
  • Mental health services

You choose the plan that fits your health needs and budget.

Eligibility

Who Needs Individual Coverage?

Individual health insurance is ideal for:

  • Self-employed professionals
  • Freelancers & contractors
  • Small business owners
  • Early retirees
  • Students
  • Individuals without employer benefits
  • Those between jobs


If you don’t receive health benefits through an employer or spouse, this coverage is essential.

Research

What Does It Cover?

Most individual plans include:

  • Preventive Care
  • Annual checkups, vaccines, screenings — often covered at 100%.
  • Doctor & Specialist Visits
  • Access to primary care providers and specialists within your network.
  • Hospital & Emergency Care
  • Protection against high medical bills from unexpected illnesses or accidents.
  • Prescription Drug Coverage
  • Affordable access to necessary medications.
  • Maternity & Pediatric Care
  • Coverage for pregnancy, childbirth, and children’s health services.
  • Mental Health Services
  • Counseling, therapy, and psychiatric care.

Plans

Plan Options to Fit Your Budget

We help you compare:

  • Bronze Plans – Lower monthly premiums, higher out-of-pocket costs

  • Silver Plans – Balanced coverage and cost

  • Gold Plans – Higher premiums, lower out-of-pocket expenses

  • High-Deductible Plans (HSA Eligible) – Tax-advantaged savings opportunities

Our advisors guide you to the right level of protection.

Enrollment

How Enrollment Works

  • Review Your Options – Compare plans side-by-side
  • Check Eligibility – Open enrollment or special qualifying event
  • Choose Coverage – Select deductible and network preferences
  • Enroll with Confidence – We handle the paperwork

Enroll

When can I enroll in a plan?

You can enroll during:

  • Open Enrollment Period (OEP) – Typically once per year
  • Special Enrollment Period (SEP) – If you experience a qualifying life event such as:

    • Loss of employer coverage

    • Marriage or divorce

    • Birth or adoption of a child

    • Moving to a new coverage area

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1st choice health plans

Guidepoint Insurance Advisors is not affiliated with or endorsed by the government or the federal Medicare program. Medicare has neither reviewed nor endorsed this information. We do not offer every plan available in your area. Currently we represent 48+ organizations which offer 820+ products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. © Copyright 2026 1st Choice Health Plans | All rights reserved.Website created by MedicarePRO|Marketing