If you do not have group insurance, or if the insurance offered is very limited, you can buy an individual policy. There are number of low-cost individual health insurance policies like fee-for-service, HMO, or PPO protection.

Health Maintenance Organizations (HMOs) are a recently introduced but popular insurance coverage. The main reason for its popularity is its very low cost in premiums.

PPOs, or preferred provider organizations, serve only a specific group or association, and are a good option because they have lower fees with a network of health care providers.