Investing in the Right Individual Health Insurance Policy

stethoscope with heart, medical symbol, vectorIf you work for a company that offers health insurance, you probably do not worry about your plan very much. However, if you do not have a job, or are self-employed, you may spend a lot of time thinking about your health care coverage. If you do not have health care insurance provided by your employer, for any reason, it is important to make sure that you invest in an individual health insurance policy.

When you are looking for the right individual health insurance policy, there are many factors to consider, including:

  • If you decide to quit your job to return to school, ask your health insurance provider if you can convert your group health plan to an individual plan. Keep in mind that although your premiums will probably be more expensive, you will also have better terms than if you bought a whole new plan.
  • If you are married, see if you can get added on to your spouse’s group plan through their work.
  • Look for health plans through an alumni group or a trade association. There are also many policies available specifically for freelance workers. If you are over 50, you can qualify for a policy through AARP.
  • You can also buy a specific individual policy. It is important to remember that the premiums for this type of policy tend to be much higher than group insurance plans and tend to have limited coverage. If you are self-employed, you can deduct most of the premiums for an individual health plan from your taxes.


Contact the insurance professionals at Martplan Insurance Agency in La Habra, California for all of your health insurance needs. As an independent insurance agency, we will work with you to ensure that you have the most comprehensive coverage possible.