Individual Health Insurance – Coverage for Those without an Employer Based Plan

Individual health insurance is coverage for those who do not qualify for an employer-sponsored health insurance plan. Health insurance coverage is no longer required, but it’s important to have health insurance to cover your annual exams, prescriptions, emergencies, and more. Enter your ZIP code below to get cheap quotes for individual health insurance plans from local companies near you.

UPDATED: Jan 9, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 9, 2023Fact Checked

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Full Bio →

Written by Michelle Robbins
Licensed Insurance Agent Michelle Robbins

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Full Bio →

Reviewed by Chris Tepedino
Insurance Feature Writer Chris Tepedino

UPDATED: Jan 9, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Jan 9, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 9, 2023Fact Checked

After the Affordable Care Act passed into law, the possibilities for people without employer-sponsored health insurance began to open up. To get a better idea of what is available and who can qualify, here are a
few common questions about individual health insurance.

Am I required to have insurance?

You are not required to have health insurance yet. Former President Trump withdrew the Affordable Care Act’s requirement for healthcare coverage. Those without insurance are no longer required to pay more on their taxes, but you will end up paying more at the doctor’s office or hospital without a policy.

I have a “pre-existing condition.” Can I get insurance now?

Yes, the Affordable Care Act makes it illegal for health insurance companies to reject applicants due to pre-existing conditions.

Can my insurance be canceled because I made a mistake on the application?

As of September 23, 2010, insurance companies are no longer allowed to cancel a person’s health insurance because of administrative or unintentional errors on their insurance applications.

You can still be dropped for falsifying information, but not for making an “honest mistake.”

Can I get free health insurance?

The only free health insurance plan is Medicaid, and qualification for that coverage is determined by the laws that govern health insurance in your state. You may be eligible for tax subsidies if you are not able to pay for coverage on your own.

To qualify for those, you will have to meet certain criteria, but the basic idea is that you can get assistance if you make less than 400% of the national poverty level income.

How long can my child be covered on my insurance?

Beginning in September of 2010, you can continue to include your child, or add them back onto your health insurance coverage until they are 26 years old. There is no requirement for the child to be enrolled in school, a limiting factor that most insurance companies have used up until the new law went into effect.

Will my individual health insurance have lifetime coverage limits?

Another benefit of the law that went into effect in 2010 is that insurance companies are no longer able to impose lifetime limits on any type of essential health care. Keep in mind that this law only applies to essential services, or those that could adversely affect your health if you do not get them.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Full Bio →

Written by Michelle Robbins
Licensed Insurance Agent Michelle Robbins

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Full Bio →

Reviewed by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption