Life & Health Insurance
Individual Health Insurance
Individual health insurance provides medical coverage for people who aren't covered by an employer group plan. Whether you're self-employed, between jobs, a full-time freelancer, or simply don't have access to employer-sponsored health benefits, individual health insurance ensures you have access to medical care without facing catastrophic out-of-pocket expenses. Plans vary significantly in premium, deductible, network, and coverage level — making it important to compare options carefully to find the best fit for your health needs and budget.
What Individual Health Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Doctor visits, specialist care, and preventive services including annual wellness exams
Hospital stays, emergency care, and surgical procedures
Prescription drug coverage for ongoing and acute medications
Mental health services, behavioral health, and substance use treatment
Maternity care and newborn coverage
Diagnostic testing, lab work, imaging, and medical screenings
Who Often Explores Individual Health Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Self-employed individuals and freelancers without employer health benefits
People between jobs who need coverage during a transition period
Early retirees under age 65 who are too young for Medicare
Adults whose spouses' employer plan coverage would be cost-prohibitive
Anyone purchasing coverage through the Marketplace during open enrollment
Frequently Asked Questions
Have more questions? A licensed agent is ready to help.
Ready to Get Covered?
Get Your Individual Health Insurance Quote Today
Answer a few quick questions and we'll connect you with options from 96+ top carriers — tailored to your needs and your state.
Coverage options vary by carrier and state. A licensed agent can explain details and availability.
Free Tool
Find the Right Coverage for Your Life Stage
Individual Health is one part of a complete life and health protection plan. Use our Life & Health Coverage Finder to get personalized recommendations based on your age, coverage situation, and priorities — in under a minute.
- Covers all life stages — from 20s through Medicare
- Recommendations ranked Essential, Recommended, or Consider
- Direct links to learn more or start a quote
- Free, no email required
Life & Health Coverage Finder
What Coverage Fits Your Life?
Which best describes where you are in life?