Consumers

Individual plans are health plans you buy through an insurance agent, broker or the Exchange. Small group plans are health plans offered by employers with 1-50 employees.

You can use our health rate transparency tool to search rate requests from insurers that sell these plans.

Search health insurer rate requests

For people living in these communities, there are typically two insurance policies that cover different parts of their living space. One is paid for by owner dues and covers certain losses for the community’s Homeowner's Association (HOA). The other is an insurance policy the owner buys, which is sometimes referred to as an HO-6 policy. These two policies work in tandem to cover losses inside and outside the owner’s individual unit.

Shopping for a health plan

Most health plans on the market include a standard set of benefits, also known as essential health benefits. These include services, such as maternity and newborn care, preventive services and prescription drug coverage. In addition, most plans cannot require preexisting condition waiting periods.

Important enrollment information

The 2025 annual open enrollment period is closed. If you missed the enrollment period, you can still enroll if you qualify for Apple Health or a special enrollment period.

An annuity is an insurance product you typically buy to set aside a significant amount of money. People typically buy annuities if they:

• Need to save significantly
• Want an investment that reduces taxes
• Want to ensure a steady flow of income

How annuities work

When you buy an annuity, you either pay a large, single premium or make payments for a period of time in exchange for a future income. Until you withdraw money or begin receiving payments, the annuity will grow on a tax-deferred basis.

When a business self-insures, they don’t buy a plan from an insurance company. Instead, they set aside money and use it to pay for their general liability, commercial auto and property damage claims. Businesses that provide their own coverage directly from their own funds typically insure for:

Factors that affect finding insurance

Your type of business, the number of years you have been in business and your claims history can be factored into the type of insurance and coverage you need.

Know your health plan

• Does your health plan have network providers?
• Does your health plan let you visit out-of-network providers?
• What are the deductible, copay or coinsurance amounts?

Before you buy, it's up to you to decide what coverages best fit your needs.