If you do not get your health insurance through your job, you may be able to buy a policy as an individual. Individual coverage is harder to obtain, more expensive, and less consumer-friendly than job-based coverage, but it is better than not having insurance at all. Good health is never guaranteed - even if you do not spend much for your healthcare right now, all it takes is one hospitalization to wipe you out financially.
One way to start your search for an individual policy is by looking for an independent agent. Independent insurance agents must register with your state department of insurance, so they will have a list of people licensed to sell health insurance in your state. You can also visit the National Association of Health Underwriters website to find an independent agent in your state.
Another option is to look for health insurance coverage online. eHealthinsurance.com allows you to compare policies from different insurance companies side-by-side, which is a very helpful feature.
On the next page, find out what to look for in your individual policy.
