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Compare Individual Health Insurance Plans

With fewer and fewer employers providing family and individual health insurance for their employees, many are turning to private health insurance solutions. HealthPlanOne is here to provide in depth information and provide you with an individual health insurance quote that meets your needs.

Obtaining Individual Health Insurance Quotes

For more information about individual, small business, short term, student or family health insurance please continue on to our health insurance articles and guides that cover everything from facts to consider when buying health insurance to HSAs to Medicare. If you are ready to see what is available in your area, please view our state map to receive state specific information and a personalized individual health insurance quote or enter your ZIP code above for an instant online health insurance quote.

What is individual health insurance?

Individual health insurance is coverage that a person buys independently. It can be sold to a single individual, to a parent and dependent children, or to a family. The majority of Americans get their health insurance coverage through an employer or through a government program, but five percent of the population purchases private health coverage on an individual basis. Each state separately regulates how individual policies may be marketed and sold.

How can I buy individual health insurance coverage?

You’ve come to the right place. In almost every state, individual health insurance coverage can be purchased through licensed health insurance salespeople known as agents or brokers. Independent agents and brokers sell insurance plans from many health insurance companies, and they can help you find the coverage that best suits your individual needs.

Agents and brokers also provide service on the policies they have sold, and can help you process claims or with anything else you need regarding your policy. The insurance companies for which agents and brokers sell coverage pay them a commission for their work, so you will not be charged a direct fee if you want to use the services of an agent or broker. Enter your ZIP code above to get a free individual health insurance quote in 3 easy steps.

How is individual health insurance different from group health insurance?

Individual health insurance is very different than group health insurance, which is the type of insurance that is offered through an employer. Since laws mandating what types of services must be included in individual policies are often different than those dictating what must be included in group policies, benefits are generally less extensive than what most people would receive through coverage they have through work. Individual consumers may be surprised to learn that some benefits that may be considered "standard" in a group policy, like maternity coverage or substance-abuse treatment, may not be included in an individual plan. Sometimes individual health insurance consumers have the option to pay extra for coverage of additional services like maternity coverage. This extra coverage is referred to as an optional rider.

Cost is often the primary factor for individual health insurance consumers, which is another reason why the benefits included in individual policies are often simpler. In addition, deductibles (the amount you have to pay before insurance benefits begin) and cost-sharing (the fees you pay directly to medical providers at the time of service) are also generally higher.

Individual health insurance companies are much more limited than group insurance companies in their ability to spread risk, so the laws concerning individual health insurance are different in most states. This means that applicants for individual insurance will need to complete a brief medical questionnaire when applying for benefits and, unlike a group insurance policy, in most states a company can decide not to cover people with very serious medical conditions (e.g., HIV or cancer), deeming them "uninsurable."

Why get family or individual health insurance at HealthPlanOne?

  • We educate our customers about the type of health insurance they are seeking
  • We offer the broadest selection of individual and family health insurance
  • We provide expert customer service through knowledgeable health insurance representatives
  • We offer instant online health insurance quotes