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Individual & Family
Health Plans

Insurance Made Easy:
Get Covered in just 15 minutes

At Partners in Care Insurance Group, we specialize in simplifying the process of securing health coverage through the Affordable Care Act (ACA). Whether you’re an individual or a family, we guide you through the entire process, ensuring that you find a plan that fits your budget and meets your healthcare needs.

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What are IFP Plans?

Individual and Family Plans (IFP), are health insurance options designed to provide comprehensive coverage for a wide range of medical services.These plans cover essential health benefits such as:

Preventive Care:

Routine doctor visits, screenings, vaccinations, and more.

Hospitalization:

Coverage for hospital stays, surgeries, and emergency care.

Maternity and Newborn Care:

Prenatal, delivery, and postnatal services.

Prescription Drugs:

Coverage for both generic and brand-name medications.

Mental Health and Substance Abuse Services:

Including counseling and treatment.

Every plan complies with the Affordable Care Act, meaning you get guaranteed coverage without being denied based on pre-existing conditions.

How IFP Plans Work

Plans operate through a tiered structure, with options such as Bronze, Silver,and Gold plans. These tiers indicate the percentage of healthcare costs that the plan will cover:

Bronze:

Covers approximately 60% of healthcare costs. This is ideal for those who want a lower premium but are comfortable with higher out-of-pocket costs.

Silver:

Covers around 70% of healthcare costs, offering a balance between premium affordability and coverage.
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Bronze:

Covers about 80% of healthcare costs, offering more coverage with slightly higher premiums.


No matter which tier you choose, all IFP plans provide essential health benefits.

Understanding Subsidies:

Making Health Insurance Affordable

One of the most significant benefits of IFP plans is the availability of government subsidies that help lower the cost of premiums. These subsidies are based on your household income and are designed to make healthcare more accessible and affordable for everyone.

Premium Tax Credits:

These reduce the amount you pay for your monthly health insurance premiums. The amount you qualify for depends on your income and family size.

Cost-Sharing Reductions (CSRs):

For those who qualify, CSRs reduce out-of-pocket costs such as deductibles and copayments. They are only available on Silver tier plans.

At Partners in Care, we’ll assess your eligibility for these subsidies, ensuring that you get the maximum financial assistance available to help reduce your costs.

Nationwide Coverage, Local Expertise

We partner with national and local carriers to provide you with a wide range of options, no matter where you are. From major healthcare markets to smaller local providers, we offer access to top-tier carriers, ensuring you have the flexibility to choose the plan that’s right for you.

Some of the top carriers we work with include:

cigna
aetna
united-healthcare
health-first-logo
ambetter
molina-healt

How We Help:

Seamless Telephonic and Online Enrollment
At Partners in Care Insurance Group, we pride ourselves on offering a seamless enrollment process that takes the guesswork out of finding the right plan. You can choose between our telephonic enrollment service or explore our online enrollment platform, allowing you to shop and compare plans at your own pace.

Telephonic Enrollment:

Our licensed State Benefit Coordinators are ready to assist you over the phone, guiding you step by step. Through our telephonic process, you can secure coverage for yourself and your family in as little as 15 minutes. Our team will handle everything, from assessing your healthcare needs to comparing plans, verifying subsidies, and completing the enrollment.

Online Enrollment:

Prefer to explore your options on your own? Use our online enrollment platform to browse and compare IFP plans from the comfort of your home. With just a few clicks, you can review coverage options, premiums, and subsidies, and complete your enrollment online at your convenience.

Shop & Enroll Today

Why Choose Partners in Care?

Expert
Guidance:

With decades of experience in the health insurance industry, we know how to navigate the ACA market and find the best options for you.

Flexible
Enrollmen
Options:

Whether you prefer personalized assistance over the phone or the freedom to compare plans through our online platform, we’ve got you covered.

Nationwide
Coverage:

We work with carriers across the country, providing access to both major markets and local options, so you always have the best selection.

Affordable
Solutions:

We help you maximize your subsidies and choose a plan that fits your budget without sacrificing coverage.