Buying coverage yourself
A practical starting point for individuals and self-employed people exploring private health insurance outside an employer.
Individual & family coverage
Private health insurance, made clear.
Fixture helps individuals and families explore privately purchased health coverage and understand costs, provider networks, prescriptions, and policy terms. We help you compare appropriate available options around your needs, budget, and eligibility.
Talk through your options ↗What we consider
A plan is more than a monthly number.
The right fit depends on how you use care, which doctors you want to keep, the prescriptions you rely on, and the financial risk you’re comfortable carrying.
Family coverage
A practical look at the needs, providers, prescriptions, and budget considerations across your household.
Reviewing or changing coverage
Understand an existing policy, prepare for a change in employment or family circumstances, and confirm applicable enrollment rules.
Understand what you are buying
Different coverage types serve different purposes.
Privately purchased insurance is not a single product type. Understanding the contract matters as much as comparing the premium.
Look at the scope of protection
Comprehensive medical coverage and limited-benefit products do not provide the same protection. Ask which services are covered, which conditions or expenses are excluded, and whether there are benefit limits or underwriting requirements.
Understand how benefits are paid
Fixed-indemnity products pay specified amounts for eligible events or services, rather than necessarily paying the full medical bill. They are not a substitute for comprehensive medical insurance. Review the actual benefit schedule and exclusions before deciding.
Serving Florida, Texas, South Carolina, Tennessee, Michigan, and Ohio, subject to active licenses and appointments. View licensing and service area ↗
Look beyond the headline
Four questions worth asking.
Premiums matter, but they don’t tell you what a year of care may actually cost.
- 01
Are my preferred providers in network?
Network participation can materially affect both access and cost.
- 02
How do my prescriptions get covered?
Check the formulary, tiers, and any prior authorization requirements.
- 03
What happens before the deductible?
Some services may use copays; others may require you to meet the deductible first.
- 04
What is my realistic total cost?
Consider premiums alongside deductibles, copays, coinsurance, and the out-of-pocket maximum.
Coverage and eligibility Benefits, exclusions, enrollment periods, underwriting, and availability vary by policy and state. Some products may limit or exclude coverage for pre-existing conditions. Fixture is independent and is not affiliated with or endorsed by the federal government or HealthCare.gov. Policy documents and carrier confirmations control.
Prepare for a better conversation
Practical guides to private health coverage.
Explore on your own
Prefer to explore coverage yourself?
View available UnitedHealthOne options and start an application online. Fixture is here if you have questions.
Explore plans & apply onlineOpens UnitedHealthOne’s website in a new tab. You will enter application, medical, and payment information directly with the carrier, not through Fixture’s website. Product availability, eligibility, underwriting, benefits, and exclusions vary by state and policy. Starting an application does not guarantee approval or activate coverage. Prefer guidance first? Talk with Fixture.
Health insurance FAQ
Questions worth answering before you choose.
Clear expectations are part of a good insurance conversation.
01How can Fixture help me compare private health insurance?+
Fixture helps you understand the type of coverage being offered, its benefits and exclusions, provider network, prescription provisions, and potential costs. We help identify questions to confirm with the carrier before you apply. Available options depend on your state, eligibility, underwriting, and carrier appointments.
02Can Fixture help if I am self-employed or buying coverage myself?+
Yes. You can request a consultation about individual or family coverage when you are self-employed, leaving employer coverage, or reviewing a policy you bought yourself. The discussion starts with your priorities and the available options, rather than assuming a particular product fits.
03Where does Fixture offer health insurance guidance?+
Fixture serves Florida, Texas, South Carolina, Tennessee, Michigan, and Ohio. Insurance services are offered only where the required licenses and carrier appointments are active. Products and eligibility vary by state.
04Can Fixture tell me whether my doctor is in network?+
Fixture can help you identify what to verify, but provider participation can change. Confirm the exact plan and network with both the carrier and provider before enrolling or receiving non-emergency care.
05Should I compare plans using only the premium?+
No. The deductible, out-of-pocket maximum, provider network, prescription coverage, copays, coinsurance, referrals, and authorization rules can all affect how coverage works when you use it.
06Can I submit medical details through the website?+
Please do not submit diagnoses, medical records, medication lists, Social Security numbers, or other sensitive information through the contact form or chatbot. Fixture will explain an appropriate private next step if that information becomes relevant.
07Does submitting the form enroll me in coverage?+
No. The form only starts a conversation. It does not create an application, confirm eligibility, quote a premium, or enroll anyone in a plan.
Start with your questions
Find coverage you can understand.
We’ll help you organize the details and evaluate what fits.
Start a conversation ↗