Individual Health Insurance

At Afoa Insurance, we help you navigate the broad range of available health insurance options to find the right plan, maximize savings, and make enrollment stress-free. We will walk you through every step of the process.

Looking for Health Insurance

Finding health insurance for yourself or your family can feel complicated, but understanding your options doesn’t have to be. Individual health insurance offers a variety of coverage choices, with plans that can differ in benefits, costs, provider access, and eligibility.


We will work with you to make those choices easier to understand. We will help you compare available plans, review coverage and costs, and answer your questions so you can choose coverage that makes sense for your healthcare needs, family, and budget.

What about the ACA Marketplace?

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.


All Marketplace plans must include essential health benefits, such as:


  • Preventive care (like annual checkups and screenings) at no cost
  • Doctor visits and hospital care
  • Prescription drugs
  • Maternity and newborn care
  • Mental health services


In California, Covered California is the state’s official marketplace for comparing and enrolling in individual and family health plans and determining eligibility for financial assistance. We can help if you are looking for guidance with this process.

ACA Health Insurance

Frequently Asked Questions

  • What’s the difference between Bronze, Silver, Gold, and Platinum plans?

    These “metal tiers” reflect how you and the plan share costs — not the quality of care. Bronze plans have the lowest monthly premiums and highest out-of-pocket costs; Platinum plans are the opposite.

  • Do I have to use HealthCare.gov to enroll?

    No, we can help you shop for plans through the Marketplace or a state exchange, and can walk you through the entire process.

  • What if I miss Open Enrollment?

    You may still qualify for a Special Enrollment Period. Losing coverage, moving, or having a baby are just a few examples of life changes that make you eligible to enroll outside of the annual window. If these don’t apply to you, you will need to wait for the next Open Enrollment period.

  • Can I enroll in an ACA plan if I’m self-employed?

    Yes, ACA plans are a great option for freelancers, consultants, and anyone without employer coverage.

  • Can I get financial help?

    Yes, some people qualify for financial assistance based on their income and household size. We can help you determine if you qualify.