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| An individual health insurance policy is a medical plan for individuals. You may be a single parent needing affordable health insurance for yourself or just for your children. You may need family health insurance if you do not have group health insurance available from your employer You may be a student looking for a low cost - high deductible plan. Individual health insurance plans are also used as an alternative to the more costly COBRA options that you may have from an ex-employer. Early retirees also use an individual health insurance or family health insurance policy as a bridge to eligibility to Medicare. Group health insurance is offered to business owners and small group employers with as few as 2 employees. Also available to group plans as well as individuals, dental and vision insurance as an additional employee benefit.
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