Individual health insurance plans and family health insurance plans, while basically the same, differ in degree of coverage as well as cost. Learn the difference between the two types of insurance products.Individual Health Insurance Plans and Family Health Insurance Plans ? Do You Know the Difference?Trying to locate the right health insurance plan to fit your budget isn?t always the easiest thing to do especially with the growing cost of health care here in the United States.; Determining what you want a health insurance plan to accomplish for you and your family and determining the needs to be covered will help you decide what health insurance plan may work best you and your family.What are Individual Health Insurance Plans?The first place to start our discussion is with the individual health insurance plan.; An individual health insurance plan is basically what it says it is.; An individual health insurance plan is a health insurance plan for one person.; If you find you have no one else to insure with a health insurance policy then this will be your best option from a cost standpoint.; Keep in mind however that individual health insurance plans may vary widely in affordability depending on the type of coverage you choose for yourself.The more traditional individual health care plan is called an indemnity plan.; The indemnity plan normally covers your visits to the doctor of your choosing and will cover the procedures that this doctor may prescribe for you.; The cost for this indemnity plan will vary depending upon a deductible you choose for herself as well as your out-of-pocket limit.; Keep in mind though that overall this type of health insurance plan is the more expensive of the individual health insurance plans but does offer you the most freedom of choice.
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