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If you’re looking for a new health insurance plan, you might try to get quotes directly from insurance companies one by one. But that could take time and effort, not to mention the challenge of comparing plan details. Thankfully, there is a more convenient way to buy health insurance on your own. 

Can I Buy Health Insurance on My Own?

Yes. If you’re looking to buy individual or family health insurance, HealthMarkets makes it simple to find, compare, and apply for a plan. And by getting your FitScore®, you can quickly view ranked plans that best fit your needs and budget.

Buying Your Own Health Insurance Through HealthMarkets

First, visit HealthMarkets and enter some of your basic information. This includes things like your zip code, the names and ages of anyone looking for coverage, your income, and your key healthcare preferences. Because your age and tobacco use influence premium amounts, providing this information will give you a more accurate quote. Your additional information helps us rank plans based on your preferences. 

You may also see a section about premium tax subsidies. We can help you determine if you are eligible for subsidies and update your quotes with expected reduced monthly premium costs. 

Using FitScore to Find a Plan

With that, you’re ready to use the FitScore to compare your recommended and available plans. FitScore will analyze your preferences and rank your list options. There are also several filters that can help you choose a plan, including:

  • Company
  • Network Type
  • Coverage Level
  • Monthly Premium
  • Deductible and Maximum Out-of-pocket 
  • Copay and Coinsurance
  • HSA Eligibility
  • The Ability to Apply Online

Can I Buy Private Health Insurance at Any Time?

The open enrollment period for Affordable Care Act health plans for most states runs from November 1 through December 15.1 Check your state’s enrollment dates here. You can enroll outside this enrollment period under certain circumstances such as a relocation, having a baby, getting married, or losing your employer coverage.

For 2021, a Special Enrollment Period has been opened until August 15 for states that use the federal Affordable Care Act exchange. During this time, many Americans can sign up for a plan or change their current coverage to a different plan.2 In addition, the American Rescue Plan Act of 2021 has increased tax premium subsidies and extended who is eligible.3 Checking available premium costs now may help lower your coverage costs.

Applying for Your Health Insurance 

After you’ve carefully compared price and coverage, select the plan that suits your needs. We will then help you through the application process so that you’ll have coverage that you can rely on. Save time and simplify the process. Buy health insurance on your own with HealthMarkets today. 


1. U.S. Centers for Medicare & Medicaid Services. Retrieved from Accessed January 6, 2021. | 2. U.S. Centers for Medicare & Medicaid Services. Retrieved from, Accessed April 6, 2021. | 3. U.S. Centers for Medicare & Medicaid Services. Retrieved from Accessed April 6, 2021. 

Premiums charged by a carrier for a particular insurance product must be consistent; regardless of whether you buy it from HealthMarkets Insurance Agency, from a competing agency or directly from the insurance company.
HealthMarkets FitScore intends to identify plans that fit your needs. You should carefully review official plan material. 

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