Individual Medical Health Insurance Individual health insurance policies are best suited for individual whose employer does not offer any or adequate small group insurance or group insurance coverage. If your employer does not offer group insurance, or if the insurance offered is very limited, you can buy an individual policy. As individual plans may not offer benefits as broad as those in group plans, it is wise to consider available options carefully and fully understand the policy being presented. This is the traditional kind of health care policy.
Insurance companies pay fees for the services provided to the insured.
This type of health insurance offers the freedom to choose doctors and hospitals. One can choose any doctor they wish and change doctors at any time. These plans also allow the insured to use any hospital in any part of the country. Generally a yearly deductible is charged and a percentage of costs above the deductible are covered. These are essentially prepaid health plans.