Product Thesis

What Are Individual & Family Plans?

Individual and family health insurance plans are policies you purchase for yourself or your family, rather than receiving coverage through an employer. These plans cover essential health benefits, protect you from unexpected medical bankruptcies, and ensure you have access to preventative care to keep your family healthy.

What Do These Plans Cover?

Under the Affordable Care Act (ACA), the comprehensive plans we help you select are required to cover essential health matters, including:

• Preventative & Wellness Services: Annual check-ups, immunizations, and screenings.

• Emergency Services & Hospitalization: Protection against the high costs of unexpected accidents or illnesses.

• Prescription Drugs: Coverage for generic and brand-name medications.

• Maternity & Newborn Care: Care before and after your baby is born.

• Mental Health & Substance Use Disorder Services: Including behavioral health treatment and counseling.

Why Choose JHN Finance for Your Health Coverage?

"We don't work for the insurance companies. We work for you."​​

• Skip the Headaches: Healthcare.gov and state exchange websites can be overwhelming. We streamline the process. You complete a JHN Application, and we handle the complex enrollments and renewals from there.

• A Broker Who Knows Your Name: When life happens, you shouldn't have to explain your situation to a different call-center representative every time. You get a dedicated JHN Finance expert in your corner year-round.

When Can You Enroll?

• Open Enrollment: Typically runs from November 1st through January 15th each year. This is when anyone can apply for or change their coverage.

• Special Enrollment Periods (SEP): If you experience a qualifying life event—such as losing employer coverage, getting married, having a baby, or moving—you may be eligible to enroll outside of the standard open enrollment window.

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