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Individual Health Insurance - Customized Coverage for Your Needs

Just a few years ago, most Americans with health insurance coverage received benefits from their places of employment. Today, the majority still gets their health insurance from work, but a growing number are venturing into the individual health insurance market and purchasing coverage on their own.

What many don’t know is that there are some key advantages of individual health insurance over an employer-sponsored health plan. For example, individual plans can provide coverage that’s much more affordable, portable and customized than a health plan from an employer.

There are advantages to group health insurance, but it can pay off big to choose your own health insurance plan. It certainly doesn’t hurt to explore your options.

Individual health insurance can provide coverage for single individuals, families, those who are self-employed, students, seniors, or even if you’re paying too much for your current plan.

Here at we help you compare all your health insurance options with the advice of a licensed agent who serves your area. If you’re ready to find the right individual health insurance plan for your needs, enter your ZIP code above to get started.

Our service is always free of charge and you have no obligation to buy anything.

Different Individual Health Insurance Plans

There are a lot of different options when it comes to individual health insurance. But that’s a good thing - we all have unique needs and require unique health coverage.

So what are the most common kinds of individual health insurance? Just about every individual health insurance plan in force today is either a managed care or traditional indemnity plan:

  • Managed care health insurance plans
    Managed care plans were designed to combat rising health insurance costs and have since become the most common type of health coverage in America — for both employer coverage and individual health insurance. Some of the most popular managed care plans you’ve probably heard of: HMO (Health Maintenance Organization) plans, PPO (Preferred Provider Organization) plans and POS (Point of Service) health plans. Managed care plans create agreements with doctors, hospitals and other health care professionals to form a vast “network” of medical care providers. Those in the network discount the cost of their services in exchange for patient referrals. For you, that translates into lower health insurance premiums.
  • Traditional indemnity coverage
    Indemnity plans, also known as Fee-For-Service (FFS) plans, were the most popular type of coverage before managed care was created. FFS plans don’t have any specific agreements with doctors or hospitals — these plans simply cover certain medical services. In other words, one medical service is covered equally by every health care provider.

Comparing Plans from Multiple Health Insurance Companies

When you start shopping for an individual health insurance plan, it might seem overwhelming. There are hundreds, if not thousands, of different plans with varying premiums, deductibles, copayments, coinsurance rates and benefits.

Our free service gives you the ability to compare health plan options from some of the largest insurance companies in the United States: including Assurant, UnitedHealthOne, many Blue Cross and Blue Shield companies, Aetna, Humana, Time, PacifiCare, Kaiser Permanente, Vista Health Plans, World Insurance, Mega Life and Health, and many more. We’ll also connect you with licensed advisors to help you find the plan that best fits your needs.

Get Your Free Individual Health Quotes

Ready to compare your individual health insurance options? Use our free service above to compare individual health insurance quotes and get expert advice from our nationwide network of licensed agents.

You’ll be able to view health plans online instantly and submit an application directly and securely right at your computer. Your health insurance quotes are provided by GoHealth.