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What Is Individual Health Insurance?

Individual health insurance is health coverage you buy for yourself if you are not covered by either your current employer's health plan or by your former employer's plan under COBRA (detailed below). You can buy an individual health plan from the Montana Health Insurance Assistance Program. (MHIAP) You will not face a new preexisting condition exclusion period. You can also buy insurance from MHIAP if you have been turned down by a health insurance company and meet other qualifications. In this case you may face a new preexisting condition exclusion period.

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