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Which Type of Individual Health Insurance Plan is Right for You?

Whether you get individual health insurance or family health insurance, you have two main options to choose from:

Affordable Care Act Our Coverage
Plans HMO PPO
Avg. Deductibles $7,000 $2,500
Premiums Increase 25%-100% annually Save up to 50%
Cash Sum Benefits None for critical illness Up to $100,000 lump sum for critical illnesses
Enrollment Period 45 days All year

Why Choose Insurance Enterprise

Affordable Insurance Plans

Health Insurance Plans You Can Afford

We can help you save up to 50 percent on all types of individual and family health insurance plans. You don’t pay more than necessary to get the coverage you need.

Straightforward Underwriting Process

Simple Step-by-Step Underwriting Process

There is no need to go through a complicated underwriting process. We simply match you with the best plan and help you get set up. The process is simple and quick.

Quality Customer Service

Quality Customer Service

No more long waits or frustration with getting straight answers. Our customer service is here to help during times when you need us the most.

Critical Illness Health Coverage

Critical Illness Health Coverage

We provide a lump sum cash benefit to help you during diagnosis or treatment. This saves you time and money with critical care medical expenses. 

Simple Comparison Shopping

We Compare Providers for You

Part of the headache of getting health insurance is comparing providers. Let our experts compare insurance companies and find the best plans and rates for you.

Automatic Re Enrollment

Automatic Re-Enrollment

Forgot to re-enroll? No problems. Our system automatically renews your enrollment. We send you notifications to alert you so that you can update your plan as needed.

Frequently Asked Questions:

What is a limited benefits policy? What does it cover?

The policy comes with three tiers so we can get the most comprehensive coverage at the most affordable price. The tiers include:

Tier 1 – Provides coverage for doctor office visits, urgent care, labs, tests, diagnostics, annual preventive care, annual OB/GYN preventive care within the PHCS Multi-Plan, and/or First Health Network.

Tier 2 – Provides coverage for specialty doctor prescriptions, hospitalization, ambulatory, mental illness, etc. (best coverage and rates if using a PHCS Multi-Plan facility)

Tier 3 – Provides coverage for critical illnesses such as heart attack, cancer, stroke, etc.

Can I choose my own doctor?

You can choose from two of the largest networks in the country, which are First Health (www.myproviderlookup.com) and PHCS Multi-Plan (www.multiplan.com). All plans are PPO network.

Which tier covers generic and brand name prescriptions? Is there a copay for prescription medications?

Tier 2 provides coverage for prescriptions for both generic and brand name.

With the combination of network discounts and reimbursements, generic prescriptions cost $10 on average and brand name $20 on average. Some brand names are expensive and may cost more than $20. If so, we recommend going back to the doctor to see if there is an alternative prescription.

How is the insurance plan chosen?

As a private exchange broker, we have multiple plans available from the insurance companies that you may choose. You may have to qualify for the plan and undergo a routine underwriting process. The underwriters can help you choose the Insurance company that best matches your needs.

Is there a one-year commitment? If so, when can I drop the plan?

Your commitment is for one year. Afterward, your policy will automatically renew each year. You will receive a notification to remind you of renewal and give you an opportunity to make any changes to your policy. You can cancel the policy at any time.

Is there an open enrollment period?

Enrollment is available throughout the year.

Do you provide full health coverage?

Our health insurance plan provides full benefits. It may differ from what you are accustomed to because we created a package that provides comprehensiveness at lower rates. Most exchange policies are with BCBS or Humana. They have rates that increased by as much as 100% from 2017 to 2018. Plus, the deductibles have increased. We are providing alternative solutions to the public who are looking for a provider with similar benefits but for more affordable prices.

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Contact Insurance Enterprise for Individual and Family Health Insurance

If you have questions about health insurance and need to enroll, then contact Insurance Enterprise at 888-350-6605. Speak to a licensed agent and find out more about how you can get an affordable health insurance plan.