Individual Health Plans

Here at Watermann Consulting, we prioritize finding you the best individual health insurance coverage.

Affordable Care Act (ACA) Marketplace Plans

Health insurance is a critical component of financial and physical well-being. For individuals under 65 who don’t have access to employer-sponsored health insurance, the Affordable Care Act (ACA) Marketplace offers a range of options. We'll outline the essential details of ACA Marketplace plans, deadlines, and resources to help you make an informed decision. We're also here to help, so please reach out to discuss your specific health insurance needs to ensure you have the right coverage.


The ACA Marketplace, established under the Affordable Care Act, is a platform where individuals and families can shop for and enroll in health insurance plans. These plans are regulated to ensure they meet specific standards, such as covering essential health benefits and providing protection for people with pre-existing conditions.

A woman 's hand is holding a pair of glasses.

Who can enroll in ACA Marketplace plans?

  • Individuals without employer-sponsored insurance
  • Self-employed workers
  • Part-time employees
  • Individuals qualifying for Medicaid (in participating states)

Open Enrollment & Special Enrollment

  • Open Enrollment Period (OEP): Typically runs from November 1 to December 15 (dates may vary by state)



  • Special Enrollment Period (SEP): Triggered by qualifying life events—such as loss of coverage, marriage, birth/adoption of a child, or relocation—and generally lasts 60 days from the event date

Picking the Right Plan

When choosing an individual health plan, consider these factors:

  • Health care needs and status
  • Budget and cost preferences
  • Preferred healthcare providers
  • Prescription medication requirements



Recommended steps:

  • Prepare personal and income documentation (e.g., Social Security numbers, employer/income details, immigration documents)
  • Apply early to avoid last-minute issues
  • Carefully review application details for accuracy
  • Ensure your payment is set up correctly so coverage begins on time