Individual & Family Plans – Overview and Getting Started
The Individual & Family health insurance market offers a unique opportunity for brokers to grow their business while helping clients access essential coverage. Whether you’re brand new to this market or an experienced agent looking to streamline your process, JME is here to help.
We support appointed brokers with the tools, training, and resources they need to succeed — especially during the annual Open Enrollment Period (OEP) and throughout the year for Special Enrollment Periods (SEPs).
Why Sell Individual Coverage?
Individual health insurance can be a great solution for:
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Freelancers, gig workers, and contractors
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Early retirees and part-time employees
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Clients leaving group coverage or COBRA
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Self-employed individuals and sole proprietors
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People whose income qualifies them for a government subsidy
Many clients qualify for Advance Premium Tax Credits (APTCs) that significantly lower their monthly premiums — but navigating eligibility and plan selection can be confusing. That’s where you come in.
JME Support for Individual Brokers
As a General Agent for Blue Cross and Blue Shield of Texas (BCBSTX), JME offers brokers:
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Access to HealthSherpa, a powerful enrollment and quoting tool for on-exchange plans
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Enrollment and servicing support from our experienced team
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Tips for client communication, retention, and renewals
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Broker portal resources that guide you through the entire process, step by step
We’re here to make sure you can focus on what you do best: supporting your clients and growing your book of business.
What’s Next?
To begin writing individual business through JME:
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Make sure you’re appointed with BCBSTX
(If not, instructions are on the next page.) -
Get access to HealthSherpa
(JME-affiliated brokers can request login credentials.) -
Explore the rest of this section to learn how to quote, enroll, service clients, and handle renewals efficiently.