As a rule, an individual health insurance is more expensive, more difficult to obtain, and even offer less favorable coverage than a group insurance policy. However, there are instances when a person may be ineligible for such a group policy. Employers usually provide the benefit of a free or discounted group insurance policy only to their full-time employees, so that if you work only part-time, you will have no option but to buy your own. Freelance workers, such as writers and web designers, also do not enjoy this benefit.

An individual policy, however, is better than having no health insurance to fall back on in times of illness. With increasing medical costs, an illness could easily deplete your resources.

Your first move should consist in a search for independent insurance agents. Since they represent not just a single company, they are in a position to offer different policies with different coverage and prices. They are usually required to register with the department of insurance in your state, making it easy to verify if they are legitimate.

Alternatively, you can visit websites that present comparisons of the products of various insurance companies. Their features, coverage, and prices are posted side-by-side allowing you to study and compare them with each other.

After this study, you can decide which policy suits your particular needs.