Finding health insurance coverage can feel overwhelming, especially if you’re purchasing a plan on your own rather than through an employer. Whether you’re self-employed, between jobs, or simply exploring your options, understanding where and how to buy health insurance on your own is essential. In this guide, we’ll break down your options and answer some of the most common questions people have when searching for individual health insurance.
Where Can I Buy Health Insurance on My Own?
If you need to purchase health insurance independently, there are several reliable options to consider:
1. The Health Insurance Marketplace (HealthCare.gov)
The Health Insurance Marketplace, also known as the Exchange, is a government-run platform where individuals can shop for Affordable Care Act (ACA)-compliant plans. Open Enrollment typically runs from November to mid-January, but you may qualify for a Special Enrollment Period if you experience a qualifying life event, such as losing coverage or getting married.
Key Benefits:
- Access to subsidies based on your income.
- Guaranteed coverage regardless of pre-existing conditions.
- Wide range of plan options, from catastrophic coverage to comprehensive plans.
2. Private Health Insurance Companies
You can buy insurance directly from private insurers if you prefer to bypass the Marketplace. Many companies offer individual health insurance plans, including major providers like Blue Cross Blue Shield, UnitedHealthcare, and Cigna.
Key Benefits:
- May offer more plan flexibility.
- Coverage options outside the ACA-compliant plans.
- Enrollment may be available year-round.
3. Insurance Brokers and Agents
Licensed brokers can help you compare health insurance plans from multiple carriers to find the best fit for your needs and budget. They provide personalized assistance and can explain the details of each plan.
Key Benefits:
- Professional advice at no extra cost.
- Access to plans both on and off the Marketplace.
4. Medicaid and CHIP (Children’s Health Insurance Program)
If your income is low, you may qualify for Medicaid or CHIP. These state-run programs provide low-cost or free health insurance.
Key Benefits:
- Comprehensive coverage at little to no cost.
- Enrollment is available year-round.
5. Short-Term Health Insurance Plans
Short-term health insurance is an option for people who need temporary coverage, such as during a gap between jobs. These plans are not ACA-compliant and offer limited benefits.
Key Benefits:
- Flexible start dates.
- Affordable premiums (but limited coverage).
How Much Does It Cost to Buy Health Insurance on Your Own?
The cost of health insurance varies widely depending on factors like your age, location, plan type, and income.
- On average, individual health insurance premiums in 2025 range from $400 to $700 per month for comprehensive ACA plans.
- Subsidies can significantly lower these costs if you qualify based on your income.
- Short-term plans can cost as little as $100 to $300 per month, but they come with fewer benefits and higher out-of-pocket costs.
For an accurate estimate, use the Marketplace cost estimator or request a quote from private insurers.
Can You Self-Insure Health Insurance?
Self-insuring typically refers to setting aside money to pay for medical expenses out-of-pocket rather than purchasing traditional insurance. While this may work for minor medical expenses, it can be extremely risky if you face a major illness or injury.
Why Self-Insuring Is Risky:
- Medical bills for emergencies or chronic conditions can quickly reach tens of thousands of dollars.
- Most individuals and families are better off with at least catastrophic coverage to protect against worst-case scenarios.
Can I Enroll Myself in Health Insurance?
Yes! You can easily enroll yourself in health insurance through:
- HealthCare.gov (for Marketplace plans).
- State-run exchanges (in states with their own Marketplace).
- Private insurance company websites.
- Brokers and agents, who can help you complete enrollment.
Enrollment Periods:
- Open Enrollment: Usually runs from November 1 to January 15.
- Special Enrollment Period: Available if you experience a qualifying life event such as job loss, marriage, or moving to a new state.
Which Health Insurance Is Best for Self?
The best health insurance plan for you depends on your:
- Health needs (prescriptions, doctor visits, ongoing treatments).
- Budget (monthly premiums and out-of-pocket costs).
- Provider preferences (do you want a specific doctor or hospital?).
Top Options for Self-Employed or Individuals:
| Plan Type | Best For |
|---|---|
| ACA Marketplace Plans | Comprehensive coverage with subsidies if eligible |
| Private Health Plans | Flexibility and year-round enrollment |
| Health Sharing Ministries | Lower-cost alternative for healthy individuals (note: not insurance) |
| Short-Term Plans | Temporary coverage between jobs |
If you qualify for Medicaid, that may be the most affordable and comprehensive option.
Final Thoughts: Find the Right Health Insurance for You
If you’re wondering where can I buy health insurance on my own, you have plenty of options. From the Health Insurance Marketplace to private insurers and brokers, there are solutions for every budget and health need. The key is to compare plans carefully, understand the total costs (premiums + deductibles + copays), and choose the option that offers the best balance of coverage and affordability for your situation.
Need Help Comparing Health Insurance Plans?
If you’re ready to explore your options and get personalized advice, consider working with a licensed health insurance agent. They can help you find the best health insurance plan for your needs — at no extra cost to you.
👉 Start your health insurance search today and secure the coverage you need for 2025.
