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What if you can't afford Individual Coverage?

Health insurance is a type of insurance coverage which is the amount of risk or liability that is covered for an individual‘s medical or surgical insurance services. Being insured it will helpful for you that your health insurance can reimburse the insured for expenses incurred from illness.

What if you can't afford Individual Coverage?

Ask yourself three questions:
Are you healthy?
Are you not yet eligible for Medicare?
Do you plan to take a job that will provide health insurance soon?

Answer yes to all of the above, and the solution may be a short term plan. Typically, short term plans are written for one to six months periods. Short term plans can help protect you from the major medical expenses, such as a hospital visit, while keeping your monthly payments affordable.

Positive health insurance has also short term plan major medical plan. Our short term plans are usually designed for healthy individuals and families, it provides an affordable safety network while switching from one life event to another without a health plan. Other than this we have many more plans, given below;

Preferred Provider Organization (PPO) :

 A PPO plan is a Preferred Provider Organization. With this plan, you are encouraged to use a network of preferred doctors and hospitals. These providers are contracted to provide service to plan members at a negotiated or discounted rate. 

 A PPO may be a good option for you and your family if you:
Need suppleness when choosing physicians and other providers
Want the burden of obtaining a recommendation to see a specialist
Like the balance of greater provider choice versus lower premiums

Health Maintenance Organization (HMO) :

 An HMO is a Health Maintenance Organization. With an HMO plan, you generally have a lower out-of-pocket expense but also have less flexibility in the choice of physicians or hospitals than other plans. An HMO may require you to choose a primary care physician (PCP). With a PCP, they will take care of most of your health care needs. Generally to see a consultant, you will need to obtain a referral from your PCP.

An HMO may be a good option for you and your family if you:
Prefer lower premiums
Like the group services
Desire good preventive services such as coverage for checkups and immunizations

Indemnity Health Insurance Plans

Indemnity health plans are known as Fee-for-Service plans because of prearranged amounts or percentages of costs paid to the member for covered services. The member may be responsible for deductibles and co-insurance amounts.

In most cases the member will pay first out of pocket and then file a claim to be reimbursed for the covered amount.

An Indemnity Plan may be a good option for you and your family if you:
Seek high levels of flexibility and choice for doctors and hospitals
Are fine with the balance of higher rates in exchange for more service control
Can accept the burden of potentially increased organizational activity for referral and claims paperwork


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Contact Info

Positive Health Insurance enjoys close working relationships with some of the largest private health insurance providers and employee benefit intermediaries.


5a Watkin Road, Wembley, HA9 0NL


0203-869-4900 (UK)
Open 9am–6pm Mon–Fri



Positive Health Insurance are an appointed representatives of Pier Insurance Brokers Limited, FCA registration Number 312191, which is authorised and regulated by the Financial Conduct Authority
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