Health Insurance for Individuals

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Healthcare Guidance for Every Life Stage

Starting a business, planning a big move abroad, or simply moving on from an old job – big life transitions often come with complex insurance questions. For over 40 years, Pancoast has helped individuals and families in Tennessee and beyond find coverage that actually fits.

At Pancoast, we’re here to make it feel a little more human – and a lot more manageable. We’ve been supporting individuals and families in Tennessee and beyond for over 40 years with trusted advice, accessible tools, and personalized service.

Health coverage is personal. We help you find what fits your needs – not someone else’s template.

When Life Changes, We’re Here

There’s no such thing as a “typical” individual.

That’s why this page isn’t just for one type of person. It’s for:

Freelancers and entrepreneurs building something new
Individuals transitioning off employer coverage or COBRA
Young adults aging off a parent’s plan
Travelers planning trips abroad
Pre-retirees navigating Medicare enrollment

You don’t need to become an expert in health insurance – you just need a partner who is.

“Nearly 9 in 10 marketplace enrollees qualified for financial assistance in 2023, making coverage more affordable than many people expect.”

– McKinsey & Co., 2023

A Marketplace Full of Options

Let’s break down what we offer – and how we help.

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Individual Health Coverage

We’ll help you explore ACA-compliant plans through the Marketplace, including subsidy eligibility and plan design.

Explore Individual Health Plans

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Short-Term Medical Insurance

Need coverage to bridge a gap? We can guide you through short-term options and how they work.

Learn About Short-Term Plans

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Medicare Enrollment Support

If you’re nearing 65 or retiring soon, we’ll help you compare Medicare Advantage, Medigap, and Part D plans – and avoid common missteps.

Get Medicare Help

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Travel Insurance

Heading overseas? We can help you find temporary coverage that protects you when your domestic plan doesn’t apply, giving you peace of mind.

Protect Your Trip

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“More than 21 million Americans now rely on individual market coverage – and that includes gig workers, freelancers, early retirees, and small business owners.”
– AHIP, 2024

What to Expect When You Work with Us

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One-on-One Support

We talk with you, not at you.

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Local Expertise

Based in Nashville, we understand the carriers and plans available to Middle Tennessee residents.

No Pressure, No Jargon

We explain your options in plain English – and let you decide what’s right.

Ready to Talk?

If you’re exploring your options – or feel stuck and unsure where to start – reach out for a consultation.

There’s no cost, no pressure, and no confusing fine print.

Just people helping people.

Schedule a Free Consultation

Pancoast for Individuals