Affordable individual and family coverage
Plans that meet you or your family's needs.
We offer four types of individual plans:
When weighing health plan costs, we want you to be aware of costs you need to look beyond your premium. They include:
You can purchase one of these plans during open enrollment or during a special enrollment period, or SEP.
We offer health plans that can be paired with a health savings account. These plans have higher deductibles. An HSA is simply a bank account for health care expenses. Ours comes with a helpful debit card for easy access to your account. You can use your HSA card to pay for doctor visits, hospital stays, copays, eyeglasses, prescriptions and more.
Some benefits of using an HSA:
Qualified health plans, known as QHPs, are Affordable Care Act-compliant plans that cover essential health benefits and follow established limits on out-of-pocket costs.
Essential health benefits, or EHBs are health care services that must be covered by all qualified health plans. EHBs include the following:
Health plans are grouped into categories called metal tiers. They're designed to help you compare health plans with similar coverage. HAP offers silver, bronze and Catastrophic tiers. Each tier shows how you and your plan share costs, The amount you pay for covered services, medications and medical supplies is called cost sharing. The different metal tiers are based on the percentage of health care costs the plan covers. Bronze usually have the lowest monthly premiums and highest out-of-pocket costs - copays, deductibles and coinsurance - while Silver plans usually have higher monthly premiums and lower out-of-pocket costs.
Catastrophic Plans offer coverage for higher-cost services such as hospitalization. This type of plan is available to individuals who are under 30 or who receive a hardship exemption from the government.
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