Individual & Family Insurance Plans
An individual plan is one purchased on the private market, not tied to workplace benefits. Although they are called "individual" plans, they can cover you, your spouse and your children.
Health plans that cover children cannot deny or limit coverage for youngsters under age 19 because of a health condition. This provision of the federal Patient Protection and Affordable Care Act went into effect in September 2010. Starting in 2014, the rule will be extended to everyone
For now, though, there is no guarantee that an insurer will accept an adult for an individual policy in most states. Individual plans are medically underwritten and the insurer may reject your application or attach exclusions to the policy if you have health problems.
People enrolled in individual plans pay premiums determined primarily by their expected health care costs, so prices will be higher for those who are older and/or less healthy.
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