Health Insurance - What is the difference between a Group and an Individual Policy?

Free Health Insurance Quote! Fill out the information below to get a Free Health Insurance Quote from our trusted agents: Zip Code:   Type:   Health Insurance Medicare Supplement Short Term Health Student Health

An Individual/Family policy is purchased by you, you are the policy holder.  Individual policies are usually purchased by self employed individuals or anyone who is not offered an employee health plan.

In a Group Health setup, the "group" is the policy holder.  You would have a certificate as your policy which are issued to participating members of the group.  Group coverage is typically purchased and at least partially funded by an employer for it's employees as the participating members.  Group coverage is typically a more affordable health insurance option.