To get a quote or apply online for individual or family coverage

Interactive Subsidy Calculator – Use this CALCULATOR to see if you qualify for a subsidy on the health insurance exchange (a.k.a. Marketplace or Obamacare). If you qualify, then click HERE to shop plans and apply through the exchange to obtain a subsidy.  If you do not qualify for a subsidy, then you can apply to any of the carriers through our links below.


Anthem Blue Cross and Blue Shield 
      (Fairfax County west of Route 123, Loudoun County and other counties west and south)
Carefirst Blue Cross Blue Shield
      (Fairfax County East of Route 123, DC and MD)
United Health Care

Aetna

Kaiser Permanente

Health Coverage Glossary - ENGLISH

Health Coverage Glossary - SPANISH

Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. Given the option, most people would prefer to have their employer provide group health insurance coverage. If this is not an option for you, it is still important for you to seek coverage. You may be pleasantly surprised with the variety and affordability of the individual and family health insurance options available.

Managed-care plans typically make use of healthcare provider networks. Healthcare providers within a network agree to perform services for managed-care plan patients at pre-negotiated rates and will usually submit the claim to the insurance company for you. In general, you’ll have less paperwork and lower out-of-pocket costs with a managed care health insurance. There are two main types of managed-care health insurance plans, including PPO and HMO plans:

 

  • PPO Plans. As a member of a PPO (Preferred Provider Organization) plan, you’ll be encouraged to use the insurance company’s network of preferred doctors and hospitals. These healthcare providers have been contracted to provide services to the health insurance plan’s members at a discounted rate. You typically won’t be required to pick a primary care physician but will be able to see doctors and specialists within the network at your own discretion. You will probably have an annual deductible to pay before the insurance company starts covering your medical bills. You may also have a co-payment for certain services or be required to cover a certain percentage of the total charges for your medical bills. With a PPO plan, services rendered by an out-of-network physician are typically covered at a lower percentage than services rendered by a network physician.
  • HMO Plans. Though there are many variations, HMO (Health Maintenance Organizations) plans typically enable members to have lower out-of-pocket healthcare expenses but also offer less flexibility in the choice of physicians or hospital than other health insurance plans. As a member of an HMO, you’ll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs. Before you can see a specialist, you’ll need to obtain a referral from your PCP. With an HMO you’ll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan. You may not be required to pay a deductible before coverage starts and your co-payments will likely be minimal. With an HMO plan, you typically won’t have to submit any of your own claims to the insurance company. However, keep in mind that you’ll likely have no coverage whatsoever for services rendered by non-network providers or for services rendered without a proper referral from your PCP.
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