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If you're self-employed or work for a company that
doesn't offer health insurance, you can buy it on your own.
Taking that route isn't cheap. You may have a wide range of
plans and plenty of coverage options to choose from, but the
final decision will probably come down to what you can afford.


In 1995, more than 60 percent of Americans under the age of

65 had some type of private health insurance. Many of us have the
coverage, but understanding the different kinds of health insurance
can be a challenge. No matter who pays the premiums, MAKE
SURE YOU KNOW WHAT YOU'RE GETTING.

"Traditional" health insurance
Managed care
Preferred Provider Organizations (PPOs)
Point-of-Service (POS)
Health Maintenance Organizations (HMOs)

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