What is the difference between individual health insurance plans and group health plans?

What is the difference between individual health insurance plans and group health plans?
A group health plan covers a group of people and is subject to state and federal law. Group plans are traditionally offered by employers, unions, and trade and member associations. Individual health insurance plans are subject to state laws which differ from state-to-state. When considering individual health insurance plans, ask yourself the following questions:
  • What are the rules and regulations for individual health policies in my state?
  • Am I a "HIPAA eligible" individual and if so, is this individual policy applicable to HIPAA rules and regulations?
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Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.