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If you are unable to obtain health insurance through employment or as a member of an association, you should consider the purchase of individual health insurance. Although such coverage is typically more expensive than health insurance provided under a group plan, it is important for people to maintain good health insurance coverage since an accident, disease or illness could result in financial ruin.

One benefit of having your own individual health insurance coverage is selection. Often as an employee or member of an organization, you are forced to take the plan that is being offered. You may find that if you purchase health insurance on your own, you are able to obtain particular benefits more suited to your needs and situation. With a variety of individual health insurance policies available in the open market, it is a good idea to shop around and see which plan is best for you.