Individual Health Insurance Plans

Today, many of us change jobs and engage in more than one profession over the course of a lifetime. Individual health insurance is designed for the consumer who wants to benefit from the security of a medical insurance plan, but who is not covered under another policy.

Individual policies appeal to consumers for a number of reasons. You may prefer the independence and security of knowing that you’ll be covered by a policy that provides the benefits you need, no matter where your career takes you. You may be searching for short-term coverage while you’re between jobs. You may have the option to receive medical benefits through your spouse, but you prefer to choose your own plan.

Many consumers enjoy the sense of empowerment that comes with choosing their own health insurance policy. Some consumers appreciate the flexibility of a high deductible health plan combined with a Health Savings Account. Others prefer to choose their own HMO or PPO to receive the benefits of participating in a managed network.

No matter what type of insurance you choose, you’ll get the most coverage for your money by comparing multiple quotes before you select a policy. Review the covered benefits of a policy carefully and compare it to plans in the same price range. If you have a specific doctor who handles your care, make sure this physician is included in the plan’s network, if applicable. Review the policy’s list of covered conditions and exclusions to ensure that you’ll receive the services you need at rates you can afford.