If you are 65 or older, you can also purchase individual insurance from private companies to help pay for some of the costs Medicare does not cover. These plans are usually called Medicare Supplement plans and you can read about those in our Medicare Ready section.
There are many reasons someone under the age of 65 might need to purchase their own health insurance:
your employer might not provide health coverage,
you might be an early retiree,
or transitioning from COBRA.
Insurance is available to help protect you and your family against health care costs and get access to care. You pay the entire premium each month; no employer makes any contributions. In addition, coverage is not guaranteed and the limitations around eligibility may vary.
Good dental health - and good dental coverage - is a great way to keep your whole body in good shape. Learn More
While it's true that group health insurance usually offers better value than individual health insurance - it's still far better than going uninsured. Individual policies accomplish the important goal of protecting you and your family against the uncertainty of big medical bills.
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