Individual v. Group Health Insurance

Q. What's the difference between Individual and Group Health Insurance?

A. This applies mostly to Florida, but it's the same in much of the USA. Group insurance is generally gotten through your employer, and paid 50% or more by the employer. Getting the coverage doesn't take much more than just signing the paperwork and turning it in. If you don't have coverage with an employer and need to make the buy yourself, then you are subject to the decision of the Health Plan to approve you for coverage. In Florida, individuals do not have to be approved for coverage, and can be issued policies with rate-ups for medical conditions.

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