THE FALLS INSURANCE CENTER, INC.
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Individual health insurance covers the medical expenses of only one person or family. Unlike group insurance, you purchase individual insurance directly from an insurance company. When you apply for individual insurance, you are evaluated in terms of how much risk you present. This is generally done through a series of medical questions and/or a physical exam. Your risk potential determines whether you qualify, and how much your insurance will cost.
Individual insurance is somewhat more risky for insurers than group insurance, since group insurance allows the insurer to spread risk over a larger number of people. For this reason, individual insurance is generally more difficult to obtain, and more costly than group insurance.
Health Insurance F.A.Q.