Individual Insurance

Our licensed professionals work with individuals and families to find the right health plans that fulfills your coverage and budget needs and promotes better health. Team BCI helps secure plan coverage for:

  • Those who don’t have or never had health insurance
  • The self-­employed
  • New employees needing interim health coverage (waiting for their health plan to start)
  • Those who have lost employer sponsored health coverage
  • Those who have lost spousal coverage
  • Adults who are nearing their 26th birthday and will lose coverage under a parent’s health plan
  • Those who experience a recent life event and qualify for health coverage
  • Dependent court ordered coverage
  • Those retiring from a company and need coverage until they are Medicare eligible

Open Enrollment

After open enrollment an individual must have a qualifying event or special enrollment period to apply for an individual plan. (Marketplace open enrollment is usually from Nov. to Dec.)

Special Enrollment Period

You may qualify for a special enrollment period 60 days following certain life events that involve a change in family status or loss of health coverage. Special Enrollments include:

  • Non voluntary loss of prior coverage
  • Marriage
  • Birth of a baby
  • Adoption or placement of a foster child
  • Divorce or legal separation
  • Death
  • Released from incarceration
  • Moved to a new rating area
  • Gained citizenship or lawful presence in the United States

To qualify for a Special Enrollment period you must apply for coverage within 60 days of the qualifying event.