Health Coverage Built Around Your Family
Whether you're self-employed, between jobs, or simply looking for better coverage, we'll help you find an ACA-compliant plan that fits your doctors, your medications, and your budget.
Why Individual & Family Coverage Matters
A health insurance gap can turn a routine medical event into a financial crisis. Individual and family plans through the ACA marketplace offer comprehensive coverage — preventive care, prescriptions, specialist visits, and hospitalization — with premiums that may be significantly reduced by federal tax credits based on your income.
What's Covered
Preventive Care
Annual physicals, screenings, and vaccinations at no extra cost.
Prescription Drugs
Tiered formularies covering generics through specialty medications.
Emergency Services
ER visits and urgent care covered in-network and out-of-network.
Mental Health
Therapy, counseling, and substance use disorder treatment.
Maternity & Newborn
Prenatal visits, labor, delivery, and newborn care.
Specialist Visits
Referrals to cardiologists, dermatologists, orthopedists, and more.
Plan Types Explained
Requires a primary care physician and referrals for specialists. Best for those who want lower premiums and don't mind staying in-network.
See any doctor without a referral, in or out of network. Higher premiums but maximum flexibility — ideal for families with ongoing specialist needs.
No referrals required but coverage is limited to in-network providers. A middle ground between HMO and PPO.
Pair a high-deductible plan with a Health Savings Account to pay for qualified expenses tax-free. Great for healthy individuals who want to build savings.
You May Qualify for Tax Credits
The Affordable Care Act provides premium tax credits to households earning between 100% and 400% of the federal poverty level — and in some cases beyond. Many of our clients pay significantly less than the sticker price for their plan. UrHealth Benefits will run the numbers with you to make sure you're not leaving money on the table.
See If I QualifyReady to Find Your Plan?
Use our self-service quoting tool to compare plans instantly, or call James directly for a personalized recommendation.