Leave the Complicated Enrollment to BPJ.

Individual Health Insurance

We offer consultations with experts to quote, compare, and help individuals and families enroll in a health plan from any of the top carriers, both on and off the exchange.

While individuals can go direct to an insurance company, get a quote, talk to a rep, pick a health plan and enroll, we feel this is a difficult and time-consuming process, especially trying to reach multiple carriers, check providers’ lists, and compare plans from one company to the next.

Self Service

Once you have obtained your quote from the links below, you can finish the online application by clicking on Apply Now for the plan selected.


If you have a gap in coverage or do not have a qualifying event, you may obtain short term coverage.

FAQs: Individual Health Insurance

You must have a Qualifying Event and apply within 60 days of your loss of coverage or qualifying event in order to purchase health insurance outside of Open Enrollment, and you must provide documentation as proof of that qualifying event.

Examples of a Qualifying Event include losing group coverage, getting married, having a baby, moving to another state and out of the ‘service area’ of your current plan, etc. Termination for non-payment of premium is not a qualifying event.

There is no difference. The price is identical. However, IF you qualify for a Tax Credit based on your income, the government is actually paying a portion of your medical premium for you, thus lowering your overall premium.

If your income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for a Tax Credit. Depending on how many people are in your household and the total Adjusted Gross income for the household, you could receive a tax credit. Access to health insurance through an employer will most likely make you ineligible to receive tax credits.

If you need coverage for a month or two before the new plan kicks in, purchase Short Term Medical. NOTE: Short term policies are not ACA approved coverage as defined by the law.

You should receive a bill or payment instructions from the insurance company. Following their instructions. Most accept payment online, by phone or in the mail. If you did not receive any payment instructions, you must contact the health insurance company as payments are made directly to the company. You must pay your first premium before January 1st in order for the coverage to begin.

You don’t need to pay the full premium. You must apply for the Tax Credit through the government website to get this tax credit. If you qualify, you can receive the Tax Credit one of two ways:

  1. Apply toward your premium so that you pay the reduced amount. The total premium for your coverage is $450/month, and you receive a tax credit of $50/month, you only need to pay $400/month to the insurance company; or
  2. You can pay the whole amount and use the tax credit when you file your tax return.
Contact BPJ today to discuss your insurance options.

*Appointments available by phone or in person.