 [ Symptoms ] 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 1114 under the aca [ Disease ] 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 is likely no need for it many of the dynamics that once made buying separately less expensive have been eliminated by the law