Who Needs Individual Health Insurance?

Health insurance is a hot topic in America these days, and for good reason. It's one of the most important assets an individual can have, yet many people think they either cannot afford it or cannot get it. These assumptions are often wrong. No matter what your employment situation is, if you are not already covered by another plan, you should consider signing up for individual health insurance. Here are just a few of the people who should have an individual health coverage plan.

Self Employed

Being self employed can be a fantastic and liberating experience. However, you don't want to always be worrying about having an accident or getting sick, especially since these things can cause you to be out of work. With individual health insurance, you have the security of knowing that the health issues you face can be tended to in a timely fashion without costing you your entire year's salary.

Those Without Company Health Insurance

There can be a wide variety of reasons why you might not have group health insurance through your employer. You may not meet certain conditions to qualify, like not working full time. Your employer might just be too small to have a group plan. You might have to wait for open enrollment. Whatever the reason, you are uninsured for the time being, which means you should look into an individual plan.

Temporary Employees

If you are a contract or seasonal worker, your company may not extend the same benefits to you as they would their regular employees. If you're in that situation, having your own health insurance policy can be a relief. You know you have the coverage you need, and you know that coverage will be able to go with you no matter what path your career opportunities go down.

Job Seekers

If you're looking for a job, having individual health insurance can actually be an excellent bargaining chip to have once you reach the negotiation table. Because you are already privately insured, you will need less in the way of benefits than other candidates might. This can both make you very appealing to a company and can allow you to negotiate for a higher salary or better benefits.


Full time students who can't be on their parents' plan are excellent candidates for individual health coverage, and they're one of the groups with the least coverage in the nation. Students often assume that because they are young and reasonably healthy, they will not need health coverage. However, college campuses are well known for the ease at which they spread diseases and for the frequency of student accidents, and you certainly don't want to waste an entire semester's tuition just because the unexpected happened.

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