if you buy your own coverage i suggest you shop your options on healthcare. gov to see what policies will offer you the best coverage at the lowest price. you can buy separate policies but there's likely no need for it. many of the dynamics that once made buying separately less expensive have been eliminated by the law.
my husband and i are under 65 maintaining separate individual health insurance when we retired. . is there any reason for or against continuing separate health insurance beginning 1/1/14 under the aca?