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Individual Health Insurance 

Individual health insurance can help prevent staggering expenses if you face a medical emergency. Major medical insurance is a type of coverage that provides benefits for a broad range of health-care services, both inpatient and outpatient. 

Choosing the right health insurance for you and your family is an important decision. We understand, and we want you to feel confident in your choice. At FleurINS, we offer a wide range of individual insurance policies to help you feel confident about the coverage you have.  

The Affordable Care Act provides a new Premium Tax Credit based on your income and family size. Advance payment of the tax credit is calculated and can be used right away to lower your monthly premium costs. The website provides a quick view of qualifications for different savings programs in your state. You’ll find out exactly what you qualify for only when you fill out the application and get your eligibility results.


The premium tax credit is a refundable tax credit designed to help eligible individuals and families with low or moderate income afford health insurance purchased through the exchange. The size of your premium tax credit is based on a sliding scale. Those who have a lower income get a larger credit to help cover the cost of their insurance.


Employers of all sizes are quickly recognizing the benefits of moving employee populations from group coverage to an individual exchange offering. This offers employers choosing to no longer offer group insurance an easy way to contribute to employee’s healthcare while allowing them to purchase policies in an individual health insurance marketplace.

You are not able to enroll in an individual health plan outside of a qualified event. Qualified events are listed on:

Open enrollment for 2020 plan year is November 1, 2019 through December 15, 2019. 



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