A guide to buying individual health insurance in the United States in 2025: plans and costs, government subsidies, insurance companies and purchasing channels

• Seniors over 65: Seniors over 65 with citizenship or green card status can apply for Medicare (red and blue card). Click here to see if you are eligible . If you have a low income, you can also apply for Medicare , which will cover the portion of Medicare that you would have to pay for.
• For more details about the medical insurance benefits of Medicaid and Medicare, please read this guide “Comparative Analysis of Eligibility and Medical Benefits of Medicaid and Medicare in the United States”
• If you have a job : If your employer provides insurance, you can register directly with the company (Group Health Insurance). Otherwise, you have to buy your own personal health insurance (Individual Health Insurance). Please see the next paragraph for where to buy it.

3. Where to buy US health insurance (Where)

1. Government health insurance market platform Health Insurance Marketplace: If you purchase and apply for subsidies through ObamaCare’s health insurance market platform, you must submit tax data and proof of income to assess your eligibility. Covered California is California’s health insurance market platform.

2. Find an insurance broker: The advantage is that the insurance broker will evaluate the most suitable insurance plan and can assist in the application. In addition, there are many Chinese-speaking insurance brokers now, so you don’t have to worry too much about not being able to understand the insurance regulations because your English is not good enough.

3. Buy insurance directly from a health insurance company: Buy directly from a health insurance company instead of through an insurance broker. The websites of major insurance companies are pretty good now, so you can clearly compare and buy online, and there are also online customer service staff who can help you in a timely manner.

The following are some good insurance companies in the United States. However, the benefits of each company vary in each state, so the best in Los Angeles may not be the best in New York. You can ask around.

https://www.guruin.com/articles/1896.html+embedQuickly learn about several large health insurance companies in the United States, plus share the medical insurance satisfaction ratings in each state and things to note when choosing health insurance.