JSR Health Consultants - Individuals & Families

Individuals

Families

If you’re not covered through an employer, Medicare, or Medicaid, we’ll help you explore the available health insurance routes so you can choose coverage you understand and trust.

✅ Option 1

ACA Marketplace Health Plans

The Affordable Care Act (ACA) created a national marketplace where individuals and families can buy standardized health insurance through Healthcare.gov or a state-run exchange.

While ACA plans cover essential benefits and pre-existing conditions, they can be costly — especially if you don’t qualify for subsidies, which are only available to some based on income. Without financial help, premiums and deductibles are often high, and coverage may not begin until you’ve spent thousands out of pocket. More comprehensive coverage typically requires a higher-tier plan at a higher price.

A Reliable Option for Many Households

ACA plans can be a strong fit if you:

Want standardized benefits and protections

Need coverage for pre-existing conditions

May qualify for subsidies based on household income

What to know:

Plans and networks vary by location

Costs depend on household details and eligibility factors

Enrollment timing matters (Open Enrollment or qualifying life event)

We’ll help you compare plans and understand what you’re getting — before you enroll.

✅ Option 2

Private, Non-ACA Health Plans

If you're healthy and don’t qualify for ACA subsidies, private, non-ACA plans may offer significantly stronger benefits at a much lower cost. These plans are typically more affordable because they’re medically underwritten — meaning they're designed for individuals with low health risks. While they don’t offer government subsidies, they often provide better coverage, broader networks, and lower monthly premiums compared to unsubsidized ACA plans.

For Some People, There May Be Alternatives Worth Reviewing

Depending on your state, health profile, and goals, there may be private options available. These can vary widely, and some may involve medical underwriting.

Examples may include:

Medically underwritten major medical (when available)

Short-term coverage (state-specific rules apply)

Fixed indemnity and supplemental options

Direct primary care memberships (often paired with other coverage)

⚠️ Important: Non-ACA plans don’t qualify for subsidies and may deny coverage based on medical history.

How to Choose the Right Plan

Before choosing, consider the following:

Your income – Do you qualify for ACA subsidies?
Your health – Do you have pre-existing conditions or take regular prescriptions?
Your preferred doctors and hospitals – Are they in-network?
Your risk tolerance – Can you handle a higher deductible in exchange for lower premiums?
Flexibility needs – PPOs offer broader access but typically cost more; HMOs are more affordable but have limited networks.