INDIVIDUAL MAJOR  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 health care costs. You pay health care companies premiums – a set amount of money each month - and you get benefits to pay for your eligible health care 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.