Cathie asked:


I am planning to have family health insurance in these days but I want to understand the basic difference between individual and family health insurance.

Nicole
December 23rd, 2009

Individual health insurance covers only yourself. Family health coverage should cover you, a spouse and/or your children but will cost much more than single/individual coverage.

StephenWeinstein
December 25th, 2009

An individual policy covers only one person. With individual insurance, you need separate policies for each person.

A family policy typically covers a married couple and their child or their children. With family insurance, you just need one insurance policy for everyone that it covers.

mbrcatz
December 27th, 2009

Individual covers one person. Family covers the adult, their spouse, and any children. Or an adult and their children – you don’t NEED to have the spouse there.

Insurance Pickle.com
December 29th, 2009

Generally speaking there is individual coverage and there is group coverage. Then in each you can cover the individual or the whole family.

?
December 29th, 2009

Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. Given the option, most people would prefer to have their employer provide group health insurance coverage. But, if this is not an option for you, it is still important for you to seek coverage. You may be pleasantly surprised with the variety and affordability of the individual and family health insurance options available.
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