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Building your foundation of essential knowledge about individual health insurance policies.

What Is Individual Health Insurance?

Regulated under state law, individual health insurance is coverage purchased by an independent person (like you), not provided by an employer. Although it is called individual health insurance, the available policies can cover your family.

The Affordable Care Act (ACA) was signed into law by President Barack Obama to enable all Americans to access health insurance. Having health insurance provides a layer of financial protection from medical bills, but finding the right policy can require careful consideration and time. 

When we think about an exchange, it’s a trade, one thing for another. So if you’ve heard the phrase health insurance exchange, you might be confused. In the context of health insurance, exchanges offer a place to compare different insurance policies or purchase the one you choose. And they are the easiest way to make sure that you’re choosing a health insurance policy that best fits your needs, your family size, and your budget.