I had independent insurance a few different times for many years, but the fact is (in the US), your choices are very limited since Obamacare. I got dumped by insurance and told I had to purchase through the exchange. Even if I kept the same exact plan, I had to purchase through the exchange. not really sure why that was, it just was. If you're in the US, check healthcare.gov and they'll direct you to your state exchange if there is one.