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Learn about Individual Health Insurance Plans in Virginia

Individual plans cover one person or all members of a family under one policy or evidence of coverage. Individual health coverage is a good option if you are self-employed or lack access to group coverage.

For traditional health insurance individual plans, you may take at least 10 days from the date you receive the policy to decide whether to keep or cancel it. Some policies or plans provide a longer period of time. For a full refund, you must return the policy to the company within the allowed time.

You should carefully consider coverage and costs when purchasing an individual health insurance policy or managed care health insurance plan. Generally, when buying an individual policy or plan, you must provide evidence of insurability before the company will agree to insure you or your family. Standards for determining evidence of insurability vary from company to company. The process by which an insurer or managed care organization evaluates your eligibility for coverage is referred to as underwriting. The Bureau of Insurance does not have the regulatory authority to change an insurer's underwriting decision. However, the Bureau of Insurance will review an insurer's files to ensure that established underwriting guidelines are being administered consistently and appropriately.

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Virginia Consumers Guide to Health Insurance:

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