1. Individual insurance is not guaranteed, must be underwritten by carrier chosen
2. Most common disqualifications can include cancer, heart disease, diabetes, overweight, uncontrolled hypertension to name a few
3. Plans usually do not include maternity (if they do it’s optional)
4. Premiums may be lower (because they are only taking healthy applicants)
5. Rates differ between Smokers & Non Smokers (Except Aetna)
6. No long term commitments / Can terminate plan at the end of any month
7. Allow up to 3-4 weeks for approval

Traditional health insurance (also known as major medical) normally involves three components: Hospitalization coverage, physician coverage, and prescription coverage. Physicians and prescriptions normally have co-payments, while hospital costs are covered after the deductible and co-insurance has been met. See plans for specific details

H.S.A.'s, or Health Savings Accounts (formally known as M.S.A.'s, or Medical Savings Accounts), are normally higher deductible plans that enable you to reduce your monthly premiums. The savings can then be deposited into an interest-bearing tax-deductible, tax-deferred account to be used to off-set the "higher" deductible. If you are familiar with an IRA, this is very similar, except that you can make withdrawals, without tax penalties, for hospital bills, doctor bills, prescriptions, glasses and dentists. Distributions can be taken without tax penalty at age 65, just as an IRA is "59 1/2". See plans for specific details.

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