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Individual health insurance is long-term major medical coverage that is sold directly to individuals and/or families. With individual coverage, applications undergo a medical underwriting process to determine an applicants’ eligibility. Insurance companies reserve the right to deny coverage to any applicant or applicants, based on their medical history.

Note: All insurance companies have different underwriting guidelines; please contact us with your specific questions or concerns, we can help.
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(Tobacco used in the last 12 months)
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