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Best Health Insurance Plans for Individuals in the U.S. (2025) Looking for the best health insurance as a solo adult in 2025? Whether you're self-employed, changing jobs, or aging off your parents’ plan — there are excellent options tailored to individual needs. What Makes a Plan "Best"? There’s no single plan that works for everyone. The best plan for you will depend on: Your age and health conditions Whether you qualify for subsidies (e.g., ACA Marketplace) Your preferred doctors and hospitals Your budget (monthly premiums vs. out-of-pocket costs) Top Individual Plan Options for 2025 ACA Marketplace Bronze/Silver/Gold Plans: Income-based, with preventive care and telehealth included High Deductible Health Plans (HDHP): Pairs with HSAs, best for healthy people who want to save HMO Plans: Lower premiums, limited network — good for budget-conscious individuals PPO Plans: Higher cost, but flexible — choose any doctor without referrals Short-Term Plans: ...