Individual & Family Health Insurance

Securing the right health insurance is essential for protecting your family’s well-being. At Forward Insurance, we offer comprehensive health insurance solutions tailored to meet the diverse needs of individuals and families in Wisconsin and Minnesota. Whether you’re looking for long-term coverage or short-term health insurance options, we are here to help you navigate the complexities of healthcare plans.

Short-Term Medical Insurance

Are you a recent college graduate, between jobs, or newly hired and waiting for benefits to start? Short-term medical insurance can be a flexible and affordable option to help keep you financially protected while providing access to quality healthcare.

Features of short-term medical insurance:

• Essential coverage: Covers unexpected medical expenses like emergency room visits, hospital stays, surgeries, and doctor consultations, providing basic protection when you need it most.
• Flexible coverage duration: Choose coverage from one month up to a year, allowing you to fill gaps in your health insurance when needed.
• Affordable premiums: Enjoy lower monthly premium costs compared to traditional health plans, offering a budget-friendly option for temporary coverage.

Marketplace plans, also known as “on-exchange” plans, are offered through the Health Insurance Marketplace established by the Affordable Care Act (ACA). These comprehensive plans are designed to help individuals and families who do not have access to affordable employer-sponsored coverage or do not qualify for public programs such as Medicaid or Medicare.

Features of marketplace health insurance:

• Comprehensive coverage: Includes essential health benefits like preventive care, prescription drugs, mental health services, maternity care, and emergency services.
• Subsidies and tax credits: Qualify for financial assistance based on income, which can lower monthly premiums and out-of-pocket costs.
• Guaranteed issue: No denial for pre-existing conditions; coverage is available to anyone during Open Enrollment or with a qualifying life event.

Off-Exchange Health Insurance

Off-exchange insurance, also known as “off-marketplace” or “individual market” insurance, refers to individual and family health insurance plans purchased directly from insurance companies or through brokers outside the Health Insurance Marketplace. These plans can be a great choice if you want more control over your coverage and don’t need financial assistance.

Features of off-exchange health insurance:

• Customizable coverage: Provides the ability to choose plans with specific benefits or networks that might not be available on the marketplace.
• Year-round enrollment: Allows for plan enrollment at any time, without being limited to Open Enrollment periods.
• Direct purchase from insurers: Buy directly from insurance companies, providing more choice and potentially different plan structures than on-exchange options.