Individual medical insurance can be purchased by self-employed individuals or by people who can't get insurance through their jobs. There are several plan types to choose from that can also cover spouses and children. Qualifying for health insurance can be difficult and quite expensive for older or unhealthy individuals.
Indemnity
An indemnity medical insurance plan, also known as fee-for-service, is a traditional type of insurance that lets an individual see any doctor he wants. The plan pays for a portion of medical services or office visits, while the individual pays for the rest.
Managed Care
A managed care plan through a health maintenance organization or preferred provider organization employs a network of doctors. Medical services and office visits are paid by the insurance company, while the individual makes small co-payments.
Association-Based Coverage
Individuals who belong to a trade organization or a professional association that offers medical insurance plans can pay premiums at a group rate. These plans may or may not cover family members.
High-Risk Pools
High-risk pools are usually a last resort for someone with a serious health problem who has been turned down by one or two insurance companies. These plans are run by the state.
Considerations
Individual medical insurance may exclude people with pre-existing conditions, is more expensive than group insurance, may require a physical exam to qualify and may offer limited benefits.
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