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STAR Insurance Life & Health Specialist are here to help you no matter where you are in life.



Long-Term Care

Selecting insurance for your health can be a difficult and confusing process. What type of policy do I choose? What network will I have and is my doctor in-network? Does it include preventative care or just major medical? Should I buy an on-exchange or off-exchange? When you work with a local STAR Life & Health Specialist we'll provide you with expert guidance and advice to ensure you understand all your options, so you can make the best choice for you and your family.

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Am I eligible to buy an individual health insurance policy?

If your employer does not offer group health insurance, you do not qualify to purchase group health insurance from your employer, or the insurance offered by your employer does not meet certain criteria outlined in the Affordable Care Act, you may purchase an individual health insurance policy. In some cases, you may even be eligible to receive an Advanced Premium Tax Credit (a subsidy) to help offset the cost of the monthly premium of the health insurance. 

Types of Individual Health Insurance:

  • On-Exchange Health Plans
  • Off-Exchange Health Plans
  • Short-Term Medical Plans
  • Dental & Vision Plans
  • Medicare

There are so many options, which one do I choose?

The number of health plan options available to an individual can be overwhelming. You should compare your options and shop carefully because coverage and costs vary from company to company. Sometimes coverage can be slightly different than what is offered in employer group health plans. Knowing the differences up-front can make all the difference when you go to use it. Rest assured your STAR Insurance Life & Health Specialist will help you every step of the way. 

Funds not insured by the FDIC, not deposits of, or guaranteed by, STAR Financial Bank or any of its affiliates; not insured by any federal government agency; subject to investment risk if the insurance has a cash value, including possible loss of the principle amount invested. Insurance products are made available through STAR Insurance Agency, Inc., a licensed insurance agency affiliate of SFB; insurance products are underwritten by, and are the obligations of, the insurance companies that issue the insurance policies; these insurance companies are not affiliated with SFB.