There are four main types of individual health insurance plans: group medical insurance policies, personal health insurance, alternatives like non-insurance plans, and federal government insurance policies. Group policies are offered through an employer while personal plans are for individuals but may deny coverage for preexisting conditions. Newer options like non-insurance plans and federal government policies provide alternatives for those with preexisting illnesses who cannot get insured through other means. The article recommends visiting instanthealthinsurancequote.org for more details on coverage options.