Individual Health Insurance

Individuals purchase helath insurance on thier own for a variety of reasons.  These include individuals who are unemployed, who are not offered coverage at their job and those who are self employed.  Shopping online offers you the oppurtunity to preview companies and plans and find coverage that is right for you.  Using an agent can help make this process easier, free of charge.  For more informaiton on the benefits of using an agent  Click Here.

Your ability to buy an individual health insurance policy from a private insurance company depends on your health status. In general, insurance companies in Louisiana are free to turn you down because of your health status and other factors. When applying for an individual health policy, you will be asked questions regarding your health history. Depending on your health status, insurers might decline to sell you coverage or offer to sell you a policy with special limitations on what it covers. Every insurance company has their own set of underwriting guidelines. For certain medical conditions, a person may be declined by one company, offered a plan with limitations by another company, and offered a policy without limitations by a third company. At PJMI one of our skilled agents with consult with you to help you find the best insurance company for your medical history. 

PJMI represents the following insurance companies who provide individual health insurance coverage in the state of Louisiana.