Obtaining individual health insurance in Beckley, West Virginia, and surrounding areas is a process that relies on many vital components. Among these parts are the insurability of health-related expenses, individual health insurance sources, and the individual health insurance market. With the Affordable Care Act's arrival, the purchasing process for individual medical expense coverage differs significantly from the purchasing process for individual disability and long-term care. Medical bills, income lost to disability, and the cost of assistance with daily living activities due to infirmities must constitute insurable risks if they are to be covered by a health insurance policy. Risk can be defined only as of the possibility of undesired and unintended loss. The potential loss associated with high health-related expenses presents an insurable risk because persons who incur these expenses face a potentially severe and even catastrophic financial setback. Most Americans deal with health-related risks through the purchase of one or more forms of health insurance. Despite the critical value it provides, health insurance, like any other kind of insurance, creates unintended outcomes that insurers must guard against. Call Songer Benefits located in Beckley, West Virginia, for more information on individual health insurance and open enrollment.