Individually purchased health insurance

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In the United States, individually purchased health insurance is health insurance purchased directly by individuals, and not those provided through employers. Self-employed individuals receive a tax deduction for their health insurance and can buy health insurance with additional tax benefits. According to the US Census Bureau, about 9% of Americans are covered under individual health insurance.^[1] In the individual market, consumers pay the entire premium without an employer contribution,^[2][3] and most do not receive any tax benefit.^[4] The range of products available is similar to those provided through employers. However, average out-of-pocket spending is higher in the individual market, with higher deductibles, co-payments and other cost-sharing provisions.^[5][2] Major medical is the most commonly purchased form of individual health insurance.^[6]