Most people get health insurance through their employers or from the organizations to which they belong. This is called group insurance.\rSome people do not have access to group insurance. They may choose to purchase their own individual health insurance directly from an insurance company.\rFamilies can also opt for family floater plans that cover multiple members of the family under one.\rIf you already have a health insurance policy but want to get another one to increase coverage, make sure you disclose this fact from the start, to avoid rejection of claim from either of your insurers.