What to Look for When Shopping for an Individual Health Insurance Policy

Finding a good individual health insurance policy is possible when guided by the right information. What to look for when shopping for an individual health insurance policy depends on your specific needs. We recommend making a list of what you need from your coverage, such as vision insurance, fertility treatments, and mental health coverage, to see what kind of individual health insurance policy you need. Then enter your ZIP code below to start shopping for individual health insurance plans.

Free Insurance Comparison

 Secured with SHA-256 Encryption

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 →

Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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.

Acquiring health care coverage, for people that do not have it provided by an employer, can be very difficult. People that have health insurance through their employers have an easier time.

These plans are usually an agreement between the health care provider and the insurance company, where the healthcare provider agrees to lock the insurance company in at affordable rates for their clients.

People that don’t have an employer option for their insurance can still get a good individual health insurance plan; they just need some information to help them on their way.

Virtual membership in a health insurance policies are an interesting new development in healthcare coverage. Many insurance companies offer individuals membership in these virtual groups.

These groups allow people to get the benefits of group coverage without an employer plan. Check online with some of the insurance companies to find these types of plans. You may also be able to get coverage via groups like AAA or AARP, that you may already be a member of.

Know what your needs are when you are shopping for health insurance. You don’t want to get a policy that will not cover the things that are important to you.

Some questions to ask when shopping for individual health insurance:

  • Does this plan cover catastrophic illness?
  • Does this plan cover mental health needs?
  • Does this insurance plan cover infertility treatments?

You get the idea. Think of the healthcare details that are important to you and ask potential insurers if they cover these things. It pays to be informed before you sign up for a policy.

Consider financial concerns when shopping for insurance too. You may find a plan that looks like it is the most affordable. However, if you don’t get all the details about the policy, there may be some gaping holes that you are not aware of. Look for financial loopholes.

You may get very cheap co-pays for your family doctor, but referrals to specialists may be so expensive as to negate how inexpensive your office visits are.

List the pros and cons, financially, of any policy you are considering. You don’t want to get involved in a healthcare plan that is going to cause you financial difficulties.

As always, an informed buyer is going to be equipped to make the best choices. You should know what you need as far as your coverage goes, and you should question the insurance company about your concerns.

Know what you are paying for! Consider your individual needs. If you need yearly eye exams, don’t go for a policy that will not cover vision.

You don’t want to get an insurance plan that complicates your medical care or causes financial problems.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption