Individual and family health insurance provides medical coverage for you and your loved ones outside of an employer plan. These policies can be purchased through private insurers or the Health Insurance Marketplace and offer protection against the high costs of medical care.

Employer-sponsored plans are arranged and often subsidized by your workplace, while individual and family plans are purchased directly by you. This gives you more control over your plan choice, but you’re responsible for the full premium unless you qualify for government subsidies.

Most plans cover doctor visits, hospital stays, prescription medications, preventive care, maternity care, and mental health services. Under the Affordable Care Act (ACA), essential health benefits must be included, though coverage levels and out-of-pocket costs vary by plan.

Yes. If you buy your plan through the Health Insurance Marketplace, you may qualify for subsidies or tax credits based on your household income and size. These can significantly reduce monthly premiums and, in some cases, out-of-pocket costs.

You can enroll during the Annual Open Enrollment Period (usually in the fall) or during a Special Enrollment Period if you experience a qualifying life event—such as losing other coverage, getting married, having a baby, or moving to a new area.