Individual Health Insurance

Individual Health Insurance is a health policy purchased by an individual for themselves or their family, rather than being provided by an employer. These plans cover essential medical expenses—including doctor visits, hospital stays, surgeries, and prescription drugs—protecting you from the overwhelming financial burden of unexpected illness or injury.

The “Risk Reality”: The Cost of Care

Without adequate coverage, a single medical emergency can lead to financial ruin. Medical debt remains a primary cause of personal bankruptcy in the United States. According to HealthCare.gov, the average cost of a 3-day hospital stay is around $30,000, and fixing a broken leg can cost up to $7,500. Comprehensive health insurance ensures that your access to life-saving care is determined by your medical needs, not your bank account balance.

Individual Health Insurance Coverage

We help you navigate the complex landscape of ACA-compliant plans and private options to find the right balance of premium and deductible.

Individual Health Insurance Cost

“How much does individual health insurance cost?” Premiums vary significantly based on age, location, plan category (Bronze, Silver, Gold), and tobacco use.

• Premium Averages: According to recent industry market data, the average monthly premium for a benchmark plan for a 40-year-old individual is approximately $477 before subsidies.
• Income Subsidies: Many individuals qualify for Advanced Premium Tax Credits (APTC), which can significantly lower monthly costs—sometimes to under $10/month—depending on household income.
• Deductible Impact: Choosing a high-deductible plan (HDHP) lowers your monthly premium and may allow you to contribute to a tax-advantaged Health Savings Account (HSA).

The “Independent Difference”: Why Dream Assurance?

Navigating the Health Insurance Marketplace alone can be confusing. “Independent Means Multiple Choices.” We do not work for the insurance companies; we work for you.

• Total Market View: We compare both On-Exchange (ACA) plans and Off-Exchange private options to find the best network for your preferred doctors.
• Subsidy Experts: We help you accurately calculate your income to maximize your tax credits and avoid penalties at tax time.
• Lifetime Advocacy: If a claim is denied or you have billing issues, our team acts as your advocate to resolve disputes with the carrier.

 
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.

Dream Assurance

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Samuel Gonzalez

16:24 15 Dec 25

Michell is great 100%recomended

Marques Sanders

20:19 08 Dec 25

Very nice representatives and excellent service 👌

Red Lightning

04:58 22 Nov 25

Andre helped me get a great insurance for my new vehicle.

Kyle Bragg

18:22 19 Nov 25

Mr. Andre was a massive help beginning to end! He helped us get a great deal on our insurance, and explained everything thoroughly. It isn’t every day you get an insurance agent that you feel actually know what’s they’re talking about AND has your best interest in mind, but he definitely cares about his clients! Thanks Andre, and thanks Dream Assurance!

• Ready to protect your health? Let our agents shop 30+ carriers for you. Get a Free Quote.
• Secure your well-being with our specialized personal insurance options for individuals and families.