Individual Health Insurance
If you want health insurance and are self-employed or your employer does not offer health benefits, Individual Health Insurance is more likely the right choice for you. Although it’s slightly more expensive than group insurance, the Individual Health Insurance plans give you the great advantage of allowing you to tailor and build your Health Plan to suit your needs in the best way possible. It’s a matter of mixing and matching with Individual Health Insurance Plans: if you have great health, you could choose a Free-For-All or a high-deductible PPO, but if you wish to have greater coverage you can choose an HMO with a lower deductible. In the end, it’s YOUR health insurance, made to fit your needs.
Take into consideration that Individual Health Insurance requires careful shopping, as coverage and costs of similar plans are different among companies. Take into consideration always what is covered, what benefits are paid, and deductibles and coinsurance.