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Cummings Fraser & Associates

Successfully Navigating the Employee Benefits Industry Since 1975

Individual Insurance

Medical

If you are self-employed or do not have access to an employer-sponsored health plan, individual medical insurance might be for you.

There are a few things to keep in mind when shopping for individual health insurance:

  • Rates vary according to age and smoker/non-smoker status.
  • In most cases, applicants will need to complete a health questionnaire to determine their eligibility for individual health insurance. For more information about the health questionnaire, exemptions and the scoring system, please see the WSHIP Standard Health Questionnaire.
  • Plans are month-to-month – no annual contracts.
  • Rates are adjusted on an annual basis. Adjustments are made for the plans and their entire pool of applicants – individuals are not singled out based on claims history.

Enrollment

Please click on the links below to find more information about the various individual plans available in the market. These links will also take you through the online application process.

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Medicare Supplement

For applicants who are enrolled in Medicare and want additional coverage.

Questions?

Contact us today for assistance.