At Godfrey Insurance in Selmer, TN, we make it simple for individuals and families to get health coverage that fits their needs. Health insurance is essential for everyone, whether you are self-employed, between jobs, or looking for better coverage. Our team takes the time to explain options clearly and match policies to your budget, preferred doctors, and long-term health needs.
We help clients navigate the marketplace and private insurance plans, ensuring you understand benefits, premiums, deductibles, and coverage limits. With us, you gain personalized guidance from a local, family-owned team that has served the Selmer community for over 30 years.
Call
(731) 645-5202 today to schedule a consultation and find the right health insurance plan for you.
Why Individual Health Insurance Matters
Health insurance protects you from unexpected medical costs and gives access to necessary care. Without coverage, a single hospital visit or prescription can create financial stress. Our team helps you select a plan that provides:
- Comprehensive Medical Coverage for Doctor Visits, Hospital Care, and Preventive Services
- Prescription Drug Benefits Tailored to Your Medications
- Affordable Premiums and Manageable Out-of-Pocket Costs
We make sure you understand every detail, so you know exactly what your plan covers and how it supports your health.
Who Needs Individual Health Insurance?
Everyone can benefit from health insurance, but it’s especially important for:
- Self-Employed Individuals Who Do Not Have Employer Coverage
- People Between Jobs or Waiting for Benefits From a New Employer
- Young Adults and Families Seeking Comprehensive Preventive Care
- Anyone Looking to Reduce Financial Risk From Unexpected Medical Expenses
Our team evaluates each client’s unique situation to recommend plans that provide protection without paying for unnecessary coverage.
Individual Health Insurance Coverage Options
We offer a wide range of health insurance options to meet different needs and budgets. Our team reviews each plan with you to make sure it covers the services and doctors that matter most.
Marketplace Health Plans
Marketplace plans provide affordable coverage through the federal or state Health Insurance Marketplace. Our team helps you:
- Compare Available Plans Side by Side
- Understand Premiums, Deductibles, and Out-of-Pocket Costs
- Apply for Subsidies or Tax Credits That Reduce Monthly Payments
- Meet Enrollment Deadlines to Avoid Penalties
Private Individual
Plans
Private plans offer flexibility outside the Marketplace. Our team helps you find policies that:
- Cover Your Preferred Doctors and Hospitals
- Include Benefits That Fit Your Health Needs
- Offer Predictable Premiums and Cost-Sharing
Short-Term and Gap Coverage
Short-term plans provide temporary protection for individuals between jobs or waiting for other coverage. These plans:
- Give Immediate Access to Care for Emergencies and Basic Medical Needs
- Offer a Lower-Cost Solution While You Transition Between Long-Term Plans
- Can Be Combined With Long-Term Coverage for a Safety Net
Supplemental
Benefits
Some plans offer additional coverage beyond standard medical care. Our team reviews options like
- Dental and Vision Care
- Mental Health Services
- Preventive Screenings and Wellness Programs
- Telehealth and Virtual Care Services
We help clients understand how these extras can improve health outcomes and reduce out-of-pocket expenses.
FAQs About Individual Health Insurance
Who qualifies for individual health insurance?
Anyone without employer coverage or government plans can apply. We help determine eligibility and guide you through available options.
How do marketplace subsidies work?
Subsidies lower your monthly premiums based on income. Our team calculates eligibility and helps you apply correctly to maximize savings.
How often can I change my individual health plan?
You can switch during the Open Enrollment Period or after qualifying life events. Our team tracks deadlines and supports plan changes.
Get Started With Individual Health Insurance
At Godfrey Insurance, we make health insurance easy to understand and tailored to your needs. From Marketplace plans to private coverage, we guide you step by step, helping you secure the right protection for you and your family.
Call (731) 645-5202 today to schedule your free consultation, or visit our office in Selmer, TN, to meet our team in person.