U.S. residents, who are not covered by the employers, or who are unemployed have the option of Individual health insurance plans, which are specifically designed to cater to the need of such people. Residents can shop for individuals health insurance plans on their state's public marketplace, if available or through the federal marketplace to find the lowest premiums. People also have the option to purchase health insurance through a private exchange or directly from an insurer. Though, by choosing these options they won't be eligible for income-based discounts on their monthly premiums. Irrespective of their chosen health insurance marketplace, people need to keep these three things in mind while shopping for Individual plans. Individual Health Insurance Plans Categories - People shopping for these plans need to know that there are four categories of health plans categorized as Bronze, Silver, Gold, and Platinum. The plan categories do not signify the qu