You can have two Individuals plans.  However, one must be declared as your primary insurance, and the other one will end up as your secondary insurance. In that case, the rules of the primary Individuals are followed first and the deductions are calculated. When you submit a claim, the primary insurance reviews it to make sure all of its criteria are met for payment. Likewise, the secondary insurance will review the claim according to its own rules, before making a payout. You should ask your insurance company how they would handle a secondary Individuals plan. Generally though, most insurance companies require as part of the enrollment to their plan, that any eisting plans must be cancelled. This is true at least for both full comprehensive major medical plans. It is probably better to just acquire a single policy that has everything you need for an Individuals plan. If there are gaps in your coverage you can always open an HSA for those additional epenses. - June 16, 2009 @ 6:45 pm