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.

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 healthly.

Pricing is probably the most bewildering aspect of individual health policies, so it’s worth your time to shop around for health quotes. For instance, premiums for similar products from different insurers can vary by as much as 50 percent for the same person.

If you’re faced with finding individual health insurance, don’t let any confusion tempt you to go without. Even if you’re healthy, you could fall off a ladder or have a serious car accident and be forced into “medical bankruptcy.

Make a more informed decision after utilizing the online quote tool provided. Determine which type of individual health insurance plan is right for you, then compare quotes and coverages.