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About Individual Health Insurance
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Individual health care insurance provides coverage for only one individual, or family. In general, individual plans are more expensive than group insurance. You can obtain individual plans directly from a company who offers them. The company with whom you apply will evaluate you from a health standpoint, in terms of how much risk you present to them. Usually, they'll provide a questionnaire for you to fill out, asking various questions about your current and past health history. They will determine your risk accordingly, from which a premium will be generated.

Things to look for
Most individual plans fall under managed health care plans. Under this, you can opt for an HMO, PPO, or POS plan.

Guaranteed renewable
Your insurer cannot cancel your coverage if you become sick. If you continue to pay your insurance premium, coverage continues.

If available, group insurance is generally a better option, since it is usually more comprehensive and less expensive than individual insurance. However, individual coverage is ultimately better than being uninsured in the event of illness or injury. Although you may think you can do without health insurance, you are taking a major risk if you choose not to get coverage. An unexpected illness or serious injury can put you and your family under financial stress.

In a group insurance situation, the provisions of the policy are negotiated between the insurer and master policy owner (usually an employer or association). With individual insurance, you are directly in control of your policy. You can negotiate to have certain provisions included or excluded, and you can often choose your deductible amount and co-payment percentage. Keep in mind, however, that these things will have an effect on your premiums.

Health Insurance Articles
Individual Health Insurance
Important information about what to look for in a health insurance plan. "Individual health care insurance provides coverage for only one individual, or family...
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What is Medicare?
Learn about the federal program called medicare which takes on the responsibility of health care for retired individuals.
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Group Health Insurance
Find out about group health insurance plans, MPP's and major medical coverage.
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What is Medicaid?
Answers to questions concerning medicaid can be found here.
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Managed Care Insurance
Learn about the different managed care insurance options including HMO, PPO, and POS plans.
Read More >>
Indemnity Insurance
Learn about indemnity insurance and the different types of reimbursement.
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Hospital Insurance
Find out why hospital insurance may be needed in addition to your current health insurance policy.
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Disability Insurance
Find out about long and short term disability insurance plans.
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What is COBRA?
What happens to your health insurance in case you become unemployed? Find out how COBRA can help.
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Long Term Care Insurance
Learn about the types of services involved in a policy.
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