If you do not have access to an employer-sponsored group health plan, you may want to buy an individual health policy from a private insurer. However, in Montana – as in most other states – you have limited guaranteed access to individual health insurance. Whether you can buy an individual health policy may depend on your health status, the kind of coverage you want to buy, and other circumstances. There are some alternatives to individual health insurance – such as COBRA, conversion policies, and the Montana Comprehensive Health Association. This chapter summarizes your protections under different kinds of health plan coverage.