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There’s a lot to consider when shopping for an individual health insurance plan. It can seem overwhelming if you don’t know how to find a plan to meet your needs and match your budget. HealthMarkets can help you search, compare, and apply for a plan with ease.

A Guide to Buying Individual Health Insurance

It’s important to know what to look for in an individual health insurance plan before you begin shopping for plans. Here are a few simple tips to consider as you learn about your options:

Don’t just look at premiums.

Your health insurance expenses extend further than your monthly premium rate. It’s important to understand your policy’s out-of-pocket maximum, deductible, copays, and coinsurance to know how much you may be required to spend for your medical services.

Know your covered benefits.

All Affordable Care Act (ACA) plans must include essential health benefits. These include:1
  • Ambulatory services
  • Emergency Services
  • Hospitalization
  • Pregnancy, maternity, and newborn care
  • Mental health and substance use disorder services
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory Services
  • Preventive and wellness services
  • Pediatric Services

In addition to the essential benefits, plans can also offer additional coverage. It’s important to check what your policy covers and what services you may need to pay for yourself.

Check your eligibility for savings.

If you are eligible, you could lower your individual health insurance plan expenses with two types of income-based savings opportunities: premium tax credits and cost-sharing reductions. Premium tax credits can lower your monthly premium amounts, while cost-sharing reductions lower your out of pocket expenses (like copays and deductibles).2,3

Find an Individual Health Insurance Plan with HealthMarkets

Finding the right plan for your needs is easy with the HealthMarkets FitScore®. Just answer a few simple questions, and we’ll rank plans available in your area based on your answers. We’ll even give you recommendations on plans we think meet your needs. You can even apply online. Start comparing plans today!


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HealthMarkets’ FitScore intends to identify plans that fit your needs. You should carefully review official plan materials.

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