Describe reasons why someone might choose to buy an individual health insurance plan instead of going through an employer-sponsored plan.

Question: Describe reasons why someone might choose to buy an individual health insurance plan instead of going through an employer-sponsored plan.

Individuals may opt for a personal health insurance plan over an employer-sponsored one for several reasons. Autonomy in choosing a plan that best suits personal health needs and financial situation is a key factor. Additionally, individual plans are not tied to employment, providing continuity of coverage regardless of job status. They also offer the possibility of finding more competitive rates and coverage options compared to what is available through an employer. Furthermore, for self-employed individuals or those working in sectors where employer-sponsored plans are not common, individual health insurance plans are often the only viable option to ensure they have access to necessary medical care.

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