What is the major difference between Group and Individual Insurance?

Here is what you should consider when deciding whether to join affordable group health insurance from your job verses low cost individual health insurance on your own.The major difference between group and individual health insurance involves your health status. When applying for individual health insurance you’ll likely answer a health questionnaire and undergo a medical examination to provide evidence of insurability to the insurance company.  Health insurance companies reserve the right to deny you coverage if you have preexisting conditions, poor personal habits or for other factors depending on the company. Or the insurer may issue a policy with limitations on coverage. Most business group insurance, however, is issued without medical examination or other evidence of individual insurability because the insurer knows that it can cover enough individuals to balance those in poor health against those in good health. The more people under the group plan the better.

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