INDIVIDUAL HEALTH INSURANCE

Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families.

Understanding Health Insurance

What is Health Insurance?

Health insurance is a good way to help you manage your healthcare costs. You pay healthcare companies' premiums – a set amount of money each month - and you get benefits to pay for your eligible healthcare expenses. This can include regular doctor checkups or injuries to treatment for long-term illnesses.

You can purchase individual health insurance through the Health Insurance Marketplace ( A resource where individuals and families can: learn about their health coverage options; compare health insurance plans based on costs, benefits, and other important features; choose a plan; and enroll in coverage. ) on your own. Even though it’s called individual health insurance, you can also find plans to cover your family. Because health care can be expensive, it’s a smart idea to have health insurance so you’re prepared for when you or your family have medical needs.

Why should I have individual health insurance?

Prepare for the unexpected. You never know when you’ll need medical help.

Staying healthy. Many preventive care services – like checkups - are covered at 100%.

It’s the law. Under the Affordable Care Act, you may pay a penalty if you don’t have qualified health care coverage.

Health insurance plans that fit you and your family

When you’re looking for health insurance, it’s a good idea to take a look at all the angles. You want coverage that works with your lifestyle, helps you get the best care possible, and fits with your financial picture.

That’s where Langley Insurance and Financial Enterprise comes in.

You’ll have access to many options with Us. No matter where life takes you, our company is designed to deliver high-quality care and affordable prices.

Langley Insurance & Financial Enterprise offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.

Short Term Health Insurance

Bridge the gaps in health insurance coverage
Short Term health insurance, underwritten by Golden Rule Insurance Company, is a flexible health insurance coverage solution when you need coverage for a period of transition in your life.
Is short term insurance for me?

Short Term insurance may be for you if you're:

Unable to apply for Affordable Care Act (ACA), also called Obamacare, coverage because you missed Open Enrollment and you don't qualify for Special Enrollment
Waiting for your ACA coverage to start
Looking for coverage to bridge you to Medicare
Turning 26 and coming off your parent's insurance
Between jobs or waiting for benefits to begin at your new job
Healthy and under 65

For these situations and many others, Short Term health insurance, also called Temporary health insurance or Term health insurance, might be right for you. It can fill that gap in coverage until you can choose a longer term solution.

Langley Insurance & Financial Enterprise offers free, comparative quotes on health insurance from multiple insurance carriers so you can get the best possible rate.

DISABILITY

If you become disabled, what can you do?

Collect Social Security?
Many people think Social Security will cover them if they become disabled. But not everyone who becomes disabled qualifies for Social Security disability benefits – and it doesn’t take care of everything, even for those who do.
Using your savings?
After your monthly expenses, how long will your savings last?
*Borrow money?
If you’re not working, how would you make your monthly payments? Could you even get approved for a loan at this point?
*Sell your assets?
Most people consider this to be their last resort. Not only do people not particularly want to part with their possessions, they rarely get full value for them when they do.

Be Prepared

Insuring your earning potential is every bit as important as insuring your life, house or car. Your whole standard of living is, to a great degree, dependent on your income. You have assets – but it’s your steady paycheck that secures your ability to retain them. No matter how comprehensive your medical coverage may be, it’s important to make sure you’ll have money available to help meet your financial obligations if you become disabled.

Langley Insurance & Financial Enterprise offers free, comparative quotes on health insurance from multiple insurance carriers so you can get the best possible rate.

Critical Illness and Cancer

Langley Insurance & Financial Enterprise offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses. Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families.

Want to see how much we can save you? Just request a quote to find out.

Langley Insurance & Financial Enterprise offers free, comparative quotes on health insurance from multiple insurance carriers so you can get the best possible rate.

SHORT TERM MEDICAL - DENTAL & VISION - CANCER PLANS - CRITICAL ILLNESS PLANS - DISABILITY

- HOSPITAL & ACCIDENT INDEMNITY - SMALL GROUP MAJOR MEDICAL

If you are without Health Insurance Coverage you may be qualified for a SPECIAL ENROLLMENT. TO CHECK YOUR QUALIFICATIONS,
TO LEARN MORE PLEASE CLICK HERE!

We provide a variety of affordable options for individuals,
families and Business's.

We will help you find the Health Insurance Plan that fits
your lifestyle and your budget.

Why do you need a HEALTH INSURANCE AGENT?

1. Convenience: Save time and confusion. We file the application and paperwork for you.

2. Savings: Side-by-side price comparisons helps you make informed decisions.

We are here to assist you in navigating through the confusing world of insurance!

We offer a wide variety of Plans & Companies for comparison.

Please call today to get more information and schedule your free Insurance review.