Individual insurance plans, often obtained through the marketplace, are designed for people who don’t have access to employer-sponsored coverage. These plans offer a variety of coverage options for health care needs, including doctor visits, hospital stays, and prescription drugs. Marketplace plans are available through the Health Insurance Marketplace, where you can compare plans, check if you're eligible for subsidies, and find coverage that fits your budget. Open enrollment periods apply, so it’s important to review options and apply during the designated time to secure coverage for the upcoming year.