Individual Health

With the cost of health care rising each year, it represents an incredible risk for an individual to remain without health insurance.  An unexpected illness can be financially devastating for those who are not protected, bringing about financial ruin or resulting in an insurmountable level of debt.

Many people have access to group health insurance plans through their employer, but if you do not, or if you are self-employed or work on a contract basis, Carlisle Insurance can assist you in finding a health insurance policy that fits your health care needs as well as your budget.

In many cases, you will, as an individual policy holder, have the same sorts of options and choices as those who are insured under group policies.  Some of these managed health care plans include HMOs (Healthcare Maintenance Organizations), PPOs (Preferred Provider Organizations), and POSs (Point of Service plan).  A variety of deductible levels are offered in order to present affordable options to those individuals needing health insurance.  It is worth noting that, unlike those who are covered by group policies, individuals seeking health insurance may be required to complete questionnaires regarding their medical history or undergo a physical examination before a policy is issued.

Carlisle Insurance is here to help you obtain the health insurance you need at a price you can afford.  Please contact us today to help evaluate your health insurance options.