What Is IFP? A Simple Guide to Individual & Family Plans
- epiainsurance
- Sep 8
- 2 min read
When it comes to health coverage, many people think only of employer-sponsored benefits. But what happens if you don’t have access to group coverage through work? That’s where Individual and Family Plans (IFP) come in.
IFP policies are designed to give individuals—and their families—affordable, comprehensive health insurance when employer options aren’t available. If you’re self-employed, between jobs, working part-time, or retiring early, IFP may be the right solution for you.
Who Qualifies for IFP?
You may qualify for an Individual or Family Plan if:
You don’t receive health coverage through an employer
You’re self-employed, freelance, or a small business owner
You work part-time or at a company that doesn’t offer benefits
You’re in transition between jobs
You’re under 65 and not yet eligible for Medicare
In California, IFP options are available through Covered California or directly from private carriers, giving you flexibility to choose the plan that works best for your situation.
Benefits of IFP
✅ Choice of Coverage – Plans range from basic to comprehensive, with options for dental and vision.
✅ Subsidies Available – Through Covered California, you may qualify for financial assistance to lower your monthly premiums.
✅ Portability – Plans stay with you, even if you change jobs or move.
✅ Peace of Mind – Protect yourself and your family from unexpected medical expenses.
Why Work With EPIA
Choosing the right IFP plan can feel overwhelming. With dozens of options, carrier differences, and subsidy rules, it’s easy to feel stuck. That’s where EPIA steps in.
For over 30 years, we’ve helped Californians navigate Individual and Family Plans, ensuring every client gets coverage that fits their health needs and budget. Whether you’re a solo entrepreneur or a parent balancing family care, our team will walk you through the process step by step.
✅ Don’t go uninsured. If you don’t have employer coverage, IFP could be your best option.
📞 +1 626-912-1988