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UnitedHealthcare answeredIf you don't have group insurance through an employer or association, you should consider buying private health insurance to make sure your coverage does not overlap. You don't want to forgo important checkups and treatments while going without health insurance. Buying private health insurance allows you to choose the plan and company that work best for your needs. Find an insurance company that has a good track record of paying claims on time and providing reliable service. Also, once you purchase private health insurance, it's yours even when you change jobs, and it's a direct commitment between you and the insurance company without disclosing any personal information through an employer.Helpful? 1 person found this helpful.