Individual health insurance, also known as personal health plans or non-group coverage, is a health policy that covers a person’s medical bills and hospitalization costs.
Individual health insurance can be purchased for an individual or family, and can include a spouse, children, or parents. Individual benefits are not supported by the employer, and the individual pays for health insurance out of pocket.

Group health insurance, also known as employer-based coverage, is a health insurance plan offered by an employer or employee organization. It can also be offered by an association.

Group health insurance plans can provide medical care for participants or their dependents. They can also offer lower deductibles than healthcare marketplace policies, and the monthly cost of premiums is lower than what employees can get on their own. This is because the risk to the insurer is distributed across multiple members.