Individual health insurance is coverage you purchase on your own—typically through the Health Insurance Marketplace or directly from an insurance company—if you don’t get insurance through an employer. It helps pay for medical expenses like doctor visits, prescriptions, hospital stays, and preventive care. Plans vary in coverage and cost, and many people qualify for subsidies to lower their monthly premiums.

If you’re under 65 and don’t have insurance through an employer or another program. Individual health insurance helps cover medical costs like doctor visits, prescriptions, and hospital care. These plans are available through the Health Insurance Marketplace, and depending on your income, you may qualify for savings to help lower the cost.

Individual health insurance is a health plan you buy on your own, not through an employer. It covers medical expenses like doctor visits, prescriptions, hospital stays, and preventive care. These plans are available through the Health Insurance Marketplace or directly from insurance companies, and many people qualify for financial help to lower costs.

Family health insurance through the Marketplace (also called the Exchange) is a private plan you purchase yourself. It lets you pick a plan that covers essential healthcare services, tailor your costs through subsidies and plan tiers, and enroll during key periods. It’s especially worth considering if you’re not covered by any employer or public program.