Individual vs. Group Health Insurance

Choosing the Right Path as Healthcare Costs Continue to Rise

As healthcare costs increase, deciding between individual and group health insurance has become a more strategic decision for both individuals and employers.

Individual Health Insurance

Often suitable for:

• Self-employed individuals
• Contractors
• Those without employer coverage

Pros include personal choice and potential income-based subsidies. Considerations include premium volatility and the need for annual review.

Group Health Insurance

Group plans may include:

• Fully insured plans
• Level-funded plans
• Self-funded plans

Group coverage often includes employer contributions and shared risk, though customization may be more limited.

There Is No One-Size-Fits-All Answer

The best solution depends on income, family size, employment status, and long-term goals.

How Insurance Solutions USA Helps

Insurance Solutions USA works with individuals and employers to evaluate options, explain trade-offs, and support transitions between coverage types.

If you are deciding between individual and group health insurance—or planning a transition—we are here to help.
Visit www.insurancesolutionsusa.com or call 817-756-1442 to speak with a licensed insurance professional.