Individual Health Insurance Options Made Simple
If you’re here in Highlands Ranch, CO—or one of the 31 states I’m licensed in—you don’t have to figure out individual health insurance alone. I’m Suzanne Wolf—Health Insurance Mom, and I’ll help you find the right plan for yourself or your family with honesty and care.
Call me today at (866) 870-9894 to start exploring your options.
Why Individual Health Insurance Can Feel Overwhelming
Many people come to individual health insurance during a major life change. Maybe you’ve lost coverage through your job, decided to start your own business, or turned 26 and are no longer covered under a parent’s plan. Others need a new policy after a divorce, retirement, or moving to a new state.
These changes often happen suddenly, and sorting through options can feel like learning a new language. Premiums, deductibles, co-pays, networks—it’s a lot. On top of that, every plan seems to cover things a little differently. It’s easy to feel unsure if you’re making the right choice.
That’s where I step in. I’ll take the time to explain things in plain language and give you advice the way I would give it to my own family. My goal is that you not only find the right coverage but also feel empowered and confident in the choice you make.
Who Individual Health Insurance Is Right For
Individual coverage isn’t just for people who don’t have employer benefits—it’s for anyone who needs flexibility and protection. You might consider a plan if:
You recently left a job and lost employer-sponsored coverage.
You’re self-employed, freelancing, or starting your own business.
You were found ineligible for Medicaid and need another option.
You just turned 26 and are no longer covered by your parents.
You’ve retired early but aren’t yet eligible for Medicare.
You lost coverage due to divorce, separation, or widowhood.
Your income qualifies you for premium tax credits, lowering monthly costs.
I meet with people in all these situations and more. No matter where you’re starting from, we’ll look at your budget, your health needs, and your goals to match you with coverage that makes sense.
Types of Individual Coverage Available
Every person and family is unique, which means a single plan often isn’t enough. That’s why I offer a wide range of policies that can be customized to your situation. Some of the most common include:
Medical Insurance: Comprehensive coverage for doctor visits, preventive care, urgent care, emergency services, and prescriptions.
Dental Insurance: From cleanings and x-rays to fillings, root canals, and orthodontics, dental coverage helps you stay on top of oral health without big out-of-pocket costs.
Vision Insurance: Eye exams, glasses, and contact lenses are covered under many vision plans, and some include discounts on LASIK.
Accident Insurance: A safety net that pays cash benefits directly to you when unexpected injuries happen, helping cover lost income or extra expenses.
Critical Illness Insurance: Extra financial protection if you face a serious condition like heart attack, stroke, or cancer.
Life Insurance: Coverage that ensures your family is taken care of financially if something happens to you.
Hospital Indemnity Plans: Help for out-of-pocket expenses during a hospital stay, like deductibles, transportation, or childcare.
Wellness and Preventive Screenings: Options that encourage regular checkups and early detection, so you stay healthier longer.
Many people combine two or more of these to build a plan that covers all areas of their health, not just the basics.
Let’s Find the Right Plan for You
If you’re in Highlands Ranch, CO—or any of the 31 states I serve—you don’t have to go through this process on your own. My job is to take the stress off your shoulders and give you a clear path forward.
Together, we’ll review your situation, compare plans, and talk through the benefits and costs in a way that makes sense. By the end, you’ll not only have coverage that protects your health but also peace of mind knowing you’ve made the right decision.
Call me today at (866) 870-9894 and let’s find an individual health insurance plan that truly works for you.