Individual medical insurance is a health insurance policy that a person purchases independently, rather than through an employer or government program. This type of insurance provides coverage for a range of medical expenses, including doctor visits, hospital stays, prescription drugs, preventive care, and other healthcare services. Individuals typically pay monthly premiums, and the plan may also include deductibles, co-payments, and coinsurance. Individual medical insurance offers flexibility and choice in selecting coverage options that best suit one’s personal health needs and financial situation.