Personal needs
Compare options around doctors, prescriptions, expected care, dependents, and budget.
Coverage for individuals and families
Individual Health Insurance
Individual health insurance can provide coverage when an employer plan is not available or does not fit your situation. GLG helps individuals, families, and self-employed professionals understand plan types, provider networks, and enrollment timing.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Network review
Confirm whether preferred providers and facilities participate before choosing a plan.
Enrollment timing
Understand annual open enrollment and qualifying life events that may create a special enrollment opportunity.
Who may need individual health insurance
Individual coverage may be appropriate for self-employed professionals with no employees, people between jobs, early retirees, independent contractors, or families without access to suitable employer-sponsored coverage.
What to compare in an individual health plan
Plan value depends on more than its monthly premium. Look at the full cost of using care and the network available where you live.
- Premium and deductible
- Copays, coinsurance, and out-of-pocket maximum
- Primary care, specialist, and hospital network
- Prescription formulary and pharmacy network
- Coverage for anticipated services
Marketplace and off-marketplace options
Plans may be available through a government marketplace or directly through carriers, depending on your state and eligibility. Premium tax credits are determined through the applicable marketplace; GLG does not determine subsidy eligibility.
Common questions
Individual Health Insurance FAQ
Can a self-employed person buy individual health insurance?
Yes. A self-employed person with no employees generally shops in the individual market rather than using small-group coverage.
When can I enroll in an individual health plan?
Most people enroll during annual open enrollment or after a qualifying life event that creates a special enrollment period. Dates and documentation requirements vary.
Are all doctors covered by every plan?
No. Provider networks differ by plan and can change, so confirm provider participation with both the plan and provider before enrolling.
Talk through your options