Individual health plan
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An individual health plan, or individual health insurance, is a health plan purchased by an individual or family, and not provided by their employer.[1]
Overview
Individual health plans are insurance plans purchased by individuals or families that are not plans offered to them through their employer. Individual plans have tended to be less expensive overall than employer-sponsored group health plans, due to being medically underwritten and typically offering fewer benefits. However, the individual is responsible for the full premium cost, unlike employer-sponsored plans, in which the employer typically pays the majority of the premium. With the passage of the Affordable Care Act, individual plans are required to offer more benefits, and are now guaranteed issue, potentially impacting the cost of their monthly premiums.[1][2]
See also
- Obamacare overview
- History of healthcare policy in the United States
- Group health plan
- Catastrophic health plans
External links
Footnotes
