There are several types of individual health plans that are offered by various insurance companies. The most common types of Individuals include those offered by a PPO and HMO as well as HSA plans and FFS plans. Individuals plans offered by a PPO or Preferred Provider Organization are considered affordable, fleible, and comprehensive. PPO health plans allow coverage with any healthcare provider you prefer. Plans offered by HMOs or Health Maintenance Organization are considered the most affordable. The plans offer comprehensive coverage for the insured. It also creates networks of healthcare providers to ensure convenient access and quality medical services to its members. Coverage under Health Savings Account (HSA) plans consist of a high-deductible plan and a Health Savings Account. The high-deductible plan has low monthly premiums and offers catastrophe coverage. The HSA is ta-free and is used to save money for minor medical epenses. Plans offered through Fee-For-Service (FFS) are considered the traditional health insurance plans. They offer coverage for medical services and costs. The plans also provide reimbursements for a percentage of the cost. Individual health plans are gaining popularity over those that are employer-sponsored because of perceived advantages. An individual health plan usually provides customized coverage to fit the specific needs of an individual. It also provides mobile coverage so that it continues to protect your health wherever and whenever you change jobs or careers. Remember to consider insurance premiums, deductibles, copayments and coinsurance before getting individual health plans. You must do some research on individual health plans and compare several types of plans, their rates, coverage and benefits before getting one. You should consult with a number of online insurance companies to get epert advice and assistance in getting a health insurance plan. -- June 11, 2009 @ 5:34 pm