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Individual Health Insurance Plans

Group Insurance

Secure your life and save your future with Individual Health Insurance Plans.

What are Individual Health Insurance Plans?

When you require coverage for a single person rather than a group of people like in employer-sponsored health plans you need to pick Individual Health Insurance plans. The one thing you will have to do is to ensure that you keep a check on the employer’s benefits plan and make sure you don’t buy the coverage that you already have. We will help you find the best plan @ MyLegacy Insurance Services which includes:

  • Typical coverage of a range of medical expenses like prescription drugs, doctor visits, dental treatments, vision-care needs, special nursing services, ambulance services, wheelchairs, physiotherapy, other durable equipment and hospitalization in case it is needed.
  • The premiums, deductibles and co-payments can vary based on the level of coverage selected and the policyholder's age, gender and overall health.
  • Certain plans have restrictions on pre-existing conditions, and it does not include a few treatments and procedures which we will explain to you.
  • The Affordable Care Act (ACA) introduced new regulations that require insurers to cover a minimum set of essential health benefits, and to provide coverage to individuals with pre-existing conditions.
  • Some insurance providers are now offering telemedicine services as part of their individual health plans, allowing policyholders to access medical advice and care from their homes.
  • With the ongoing COVID-19 pandemic, some insurers have expanded their coverage to include testing and treatment for the virus.

We will keep you posted on what are the plans that best suit you with our expert team and you can select preferably.

Types of Individual Health Insurance Plans

Health Maintenance Organization (HMO) Plans

HMOs have the lowest premiums and deductibles and are the most affordable type of health insurance for people. It is a perfect choice when you are not having many health issues and on an economic budget.

Preferred Provider Organization (PPO) Plans

PPOs have higher premiums but they let you see specialists and out of network doctors without any referral. When you need excess health care and at the same time afford higher premiums than PPO is the right pick.

Point Of Service (POS) Plans

POS plans are similar to HMOs, but they allow policyholders to see out-of-network providers for certain services if they are referred by their PCP. POS plans typically have lower out-of-pocket costs for in-network care, but may have higher costs for out-of-network care.

Exclusive Provider Organization (EPO) Plans

EPOs are similar to PPOs, but they typically only cover in-network care. Policyholders can choose their healthcare providers, but may be limited to a smaller network of providers.

Catastrophic Health Insurance Plans

Catastrophic plans are typically designed for younger individuals who are in good health and have a low risk of needing medical care. These plans have lower premiums but higher deductibles and out-of-pocket costs, and typically only cover major medical events.

Short-term Health Insurance Plans

Short-term plans provide temporary coverage for individuals who are between jobs or have a gap in their insurance coverage. These plans typically have lower premiums, but may have limited coverage and exclusions for pre-existing conditions.

When selecting an individual health insurance plan, it's important to consider your healthcare needs, budget and the level of coverage you require. Our expert agents will guide you through the entire process.

Product Highlights

Individual Health Insurance Plans Options

Comprehensive Coverage

Comprehensive Coverage

Individual health insurance plans offer comprehensive coverage for a wide range of healthcare services, including hospitalization, doctor visits, specialist consultations, diagnostic tests, prescription medications and emergency care. They provide financial protection against unexpected medical expenses.

Flexibility in Plan Design

Flexibility in Plan Design

Individual health insurance plans often offer flexibility in plan design, allowing individuals to choose the coverage options that best suit their needs and budget. They may offer different levels of coverage, deductibles and co-payment options to customize the plan to individual requirements.

Access to Preferred Healthcare Providers

Access to Preferred Healthcare Providers

Many individual health insurance plans provide access to a network of preferred healthcare providers, including hospitals, clinics and specialists. This allows individuals to receive quality healthcare services from trusted providers within the network, often resulting in discounted rates or enhanced coverage.

Prescription Drug Coverage

Prescription Drug Coverage

Individual health insurance plans typically include coverage for prescription medications, ensuring individuals have access to necessary medications as prescribed by healthcare professionals. The coverage may include both generic and brand-name drugs, subject to certain limitations or formulary restrictions.

Paramedical Services Coverage

Paramedical Services Coverage

Individual health insurance plans may offer coverage for paramedical services such as physiotherapy, chiropractic care, massage therapy and naturopathy. This coverage can be valuable for individuals seeking alternative or complementary healthcare services.

Dental And Vision Care

Dental And Vision Care

Some individual health insurance plans include coverage for dental and vision care services. This can include preventive treatments, routine check-ups, cleanings, fillings, eye exams and prescription eyewear. Dental and vision coverage is often offered as optional add-ons or included in higher-tier plans.

Travel Medical Insurance

Travel Medical Insurance

Many individual health insurance plans provide coverage for emergency medical expenses incurred while traveling outside of Canada. This coverage can be particularly useful for individuals who frequently travel internationally or for extended periods.

Wellness Programs And Additional Benefits

Wellness Programs And Additional Benefits

Some individual health insurance plans offer wellness programs and additional benefits to promote overall health and well-being. These may include access to fitness facilities, discounts on health-related products or services, and telemedicine options for virtual healthcare consultations.


Benefits of Individual Health Insurance Plans

Some useful benefits of owning an Individual Health Insurance Plan is that

  • You get personalized coverage to meet individual healthcare needs.
  • Access to varied healthcare services that is not included in your employer's benefits plan.
  • Protection against high medical expenses in the event of illness or injury.
  • Peace of mind knowing medical care is available and affordable.
  • Potential tax benefits, such as deducting premiums from taxable income.
  • Guaranteed coverage under the Affordable Care Act regardless of pre-existing conditions.

Why Do You Need Personal Health Insurance?

Though the provincial and territorial health and drug plans provide coverage for certain health expenses, there are certain gaps that leave you in vain when there are costly medical bills. In such cases where there are unexpected medical expenses which may not be covered by government health plans you will be left to pay out-of-your-pocket. This is the time when personal health insurance will keep you reimbursed and save you from unwanted stress. It includes almost all kinds of medical expenses and our experts will explain what is and is not covered?

Get Started

01 Step

Assess Your Healthcare Needs

Determine your healthcare needs and budget. Consider factors such as your age, medical history, prescription drug needs and preferred healthcare providers. We will help you analyze and pick the right plan.

02 Step

Shop for Plans

Our agents will research and compare individual health insurance plans to find one that meets your needs and budget and also to consider the plan's benefits, network of healthcare providers and out-of-pocket costs.

03 Step

Enroll in a Plan

Once you've selected a plan, we will enroll you and make sure to review the plan's benefits and coverage options carefully and help you to pay your premiums on time to ensure coverage.


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We at MyLegacy Insurance Services are made up of passionate individuals who are committed to helping North American families achieve financial freedom.