Individual Health Insurance

HealthCare Writer

Updated on July 17th, 2024

We want to help you make educated healthcare decisions. While this post may have links to lead generation forms, this won’t influence our writing. We adhere to strict editorial standards to provide the most accurate and unbiased information.

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Individual health insurance is coverage you purchase independently, not through an employer. This type of medical insurance is comprehensive, covering a wide range of services from preventive care and pregnancy to emergencies and hospital stays. It includes essential health benefits as mandated by the Affordable Care Act (Obamacare).


Whether you are single or have a family, you are likely eligible for individual health insurance.

Plan Costs to Expect

When considering the cost of an individual health insurance plan, keep in mind the following components:

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  • Premium: Your monthly payment to the insurance company.
  • Deductible: The amount you pay before your insurance starts to cover expenses.
  • Copayment: A fixed amount you pay for specific services, such as a doctor’s visit.
  • Coinsurance: The percentage of costs you pay for covered services after meeting your deductible.
  • Out-of-pocket maximum: The maximum amount you will pay in a year.

How to Enroll

When choosing a plan, consider your healthcare needs:

  • How often do you visit the doctor?
  • Do you have ongoing health issues or regular medications?

Evaluate more than just the premiums. If you primarily need coverage for check-ups, a high-deductible plan might be suitable. For regular medical needs, a plan with higher premiums but lower out-of-pocket costs could be more beneficial. Be sure to compare different plans to find the best fit.

Next Steps

If your income is below a certain threshold, you may qualify for Obamacare subsidies. Additionally, consider supplemental insurance or a Health Savings Account (HSA) to reduce out-of-pocket expenses. Take the time to review and compare plans to find the ideal match for your healthcare needs and budget.

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