Where Do Americans Get Their Health Insurance? 
If you 're self-employed , you 're generally getting your health insurance coverage from one of two places , the individual market or your spouse 's group coverage , if available . Individual health plans can be purchased on or off the health insurance exchanges . If you qualify for a subsidy , you would want to look at health insurance ON the exchanges - subsidies can only be used for on-exchange policies . Your employer may also have a group health insurance plan available to you - you would generally need to talk to your HR representative to get information on plan availability . 