Individual & Family Health Insurance
Whether you're covering just yourself or your whole household, I'll help you compare plans, explain what each one covers, and make sure the doctors and prescriptions you rely on are accounted for.
Who this page is for
- Individuals without employer coverage
- Families covering a spouse and children
- Households whose current plan is too expensive or limited
- Anyone switching plans after a life change such as a move, marriage or new baby
Covering the whole household
Family plans cover you, a spouse and your children under one plan. I compare the combined costs, including the family deductible and out-of-pocket maximum, not only the premium.
Kids and young adults
On ACA-compliant plans, children can generally stay on a parent's plan until age 26. Pediatric care is an essential health benefit on ACA-compliant plans. Some non-ACA products may not include it.
Maternity and prescriptions
Maternity care and prescription drugs are essential health benefits on ACA-compliant plans, but some non-ACA plans limit or exclude them. If you're planning for either, tell me up front.
Other programs you may qualify for
Some households qualify for Medicaid or CHIP, or for Marketplace premium tax credits. If one of those is a better fit than a private plan, I'll tell you.
Eligibility
You generally need to live in a state where I'm licensed and where the plan is offered, and meet the plan's age and residency rules. ACA Marketplace plans also require open enrollment or a special enrollment period, such as after losing coverage. Some private plans ask health questions before approving you. I explain which rules apply before you apply.
Provider networks
Every plan has a network of doctors, hospitals and pharmacies. Going out of network can cost more, or may not be covered at all. Before you enroll, I check your doctors, hospitals and prescriptions against each plan, and I tell you plainly if I can't confirm one.
ACA-compliant plans vs. other private plans
A general comparison. Specific plan terms vary, so I go through each plan's official documents with you.
| ACA-compliant plans | Other private / limited-benefit plans | |
|---|---|---|
| Essential health benefits | Must cover all ten categories, including maternity, mental health and prescriptions. | May not cover all of them. Some services may be limited or excluded. |
| Pre-existing conditions | Can't be excluded, and you can't be charged more because of your health. | May be excluded or limited, depending on the plan. |
| Medical underwriting | Not used to decide approval or price. | May be used, so approval and price can depend on your health history. |
| Annual and lifetime limits | No dollar limits on essential health benefits. | Some plans cap benefits per year, per condition or for life. |
| Premium tax credits | May be available through the Marketplace, based on income. | Generally not available. |
| When you can enroll | Open enrollment or a qualifying life event. | Some are available year-round. Rules vary by plan and state. |
How your free consultation works
- Step 1
Tell me your situation
Call, request a quote, or book a time. Share who needs coverage, where you live and what matters most.
- Step 2
I check the details
I confirm which plans are available in your state and check your doctors and prescriptions against each one.
- Step 3
Compare side by side
You see the options with costs and trade-offs laid out plainly, including what each plan doesn't cover.
- Step 4
You decide
Take your time. If you'd like to move forward, I help with enrollment. No pressure, no obligation.
Frequently asked questions
Can everyone in my family be on one plan?+
Usually yes. Family plans cover a spouse and dependent children. Some families split coverage across plans if that works out better, and I can compare both.
Are my family's doctors covered?+
It depends on the plan's network. I check your providers and prescriptions against each plan I show you.
When can I change my family's plan?+
ACA Marketplace plans generally require open enrollment or a qualifying life event, such as a move, marriage, birth or loss of coverage. Some private plans have different rules.
What does a consultation cost?+
The consultation is free and there's no obligation to enroll.
Licensed in 28 states
Mo Qurishi is licensed to advise and enroll residents of these states. Not listed? Call and ask, and I'll point you in the right direction.
- Alabama
- Arkansas
- Colorado
- Florida
- Georgia
- Iowa
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Maryland
- Michigan
- Missouri
- Mississippi
- Montana
- North Carolina
- Nebraska
- Nevada
- Ohio
- Oklahoma
- South Carolina
- Tennessee
- Texas
- Utah
- Virginia
- Wisconsin
- West Virginia
Related coverage guides
- Private PPO Health Insurance
- Self-Employed Health Insurance
- Health Insurance After Job Loss
- All services
Qurishi Healthcare Advising is an independent licensed insurance advisor (NPN 19229315). We are not affiliated with or endorsed by the federal government, Medicare or the Health Insurance Marketplace. Plan availability, pricing, benefits and eligibility vary by state, insurer and applicant, and not every plan is available in every state. Some private plans, including some PPO plans, are not ACA-compliant. They may use medical underwriting, may exclude or limit coverage for pre-existing conditions or certain services, and may have benefit limits. This page is general information, not tax, legal or medical advice. Review each plan's official documents before enrolling.