When it comes to health care plans, individual health insurance offers a wide array of options to meet you and your family's needs.
No matter whether you have lost your health benefits due to termination of employment, whether you are seeking supplemental insurance to fill coverage gaps, whether you are a student, whether you are looking for temporary health coverage, whether you are seeking a Medicare insurance provider, or even if you are running your own small business, there are health care plans individuals, families, as well as businesses can enroll in.
Though group insurance plans offered through pre-tax deductions from an employer's paycheck are traditionally less expensive than buying your own insurance, for millions of people, group insurance is not on option.
Fortunately, there is a plan out there for everyone.
You can pay higher premiums with lower deductibles or you can pay lower premiums with higher deductibles.
You can find plans that offer prescription drug coverage and plans that don't.
You can find plans that offer maternity coverage and plans that don't.
You have greater control over health care plans individually offered by private health insurance providers.
Private insurance gives you the freedom to drop your coverage and subscribe to new plans anytime you want, due to the nature of the free market.
As an employee, you are only allowed to change your insurance options once per year, unless you have a "life-changing event".
And your coverage is not dependent upon who is your employer.
And that too, you are only allowed to choose from a handful of health care plans.
Individual, private insurance offers you more freedom and flexibility to choose.