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Both individual insurance and family insurance are under the category of individual health insurance plan. Individual health insurance is also called personal or private health insurance. This insurance cover is for some one or a family not covered by en employer. For example, an individual health insurance plan may be suitable for a self-employed person, an unemployed, a student. Basically, the plan covers newborns to seniors aged 65. A person who is 65 and over is covered by Medicare and Medicare supplementary plans.

The requirements and regulations for an individual health plan vary from state to state and from company to company. Cover is not guaranteed, especially if there are pre-existing medical conditions. The insurance company may still cover someone with pre-existing conditions provided those conditions are a excluded under the “exclusion rider”. But some states do not allow exclusions, and the insurers in such a case would usually decline the application rather than take on the risk.

A number of factors affect the premiums charged. These factors include health status, lifestyle habits, whether you’re a smoker or whether you’re overweight. But if you are already in family insurance plan, you can not be singled out for a premium increase.

There are several types of individual health insurance plans. These are:
- indemnity (fee-for-service) plan
- health maintenance organization (HMO) plan
- preferred provider organization (PPO) plan
- point-of-service (POS) plan
- health and savings account (HSA) plan
These plans differ on cost and choice. Basically, the premiums are higher if you want the choice to choose your doctor or hospital.