by 
The Curious Bag
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Approximately 86 percent of people in the U.S. have health care plans via either their employer or a government sponsored plan, according to the Health Insurance Resource Center. However, if you are employed part-time, self-employed or your employer doesn't offer health insurance you may have to purchase health insurance.
Identification
Individual health insurance refers to a policy which covers you and/ your family.
Significance
With this type of health insurance the contract is between you and the insurance company and not your employer and an insurance company.
Payments
Thus, you are responsible to pay for your health insurance, not your employer or the government.
Types
There are a variety of individual health insurance plans available to you. For instance, you can choose from a major medical, accident, hospital confinement or disability coverage.
Warning
According to the Health Insurance Resource Center, individual health insurance plans may be harder to obtain than government or employer sponsored insurance. Potential health insurance companies closely look at your medical history.
Source:
State of South Carolina Department of Insurance: What is Individual Health Insurance
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