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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Group vs. individual insurance

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: Do you know an individual policy that comes under the heading of group health plan?

A: There is a clear distinction between individual health insurance and group health insurance. The laws, coverage, pricing and operations are entirely different and there are advantages and disadvantages to each type. The details vary slightly from state to state and a few states allow one person businesses to enroll in group health plans. Generally the group insurance is more expensive than individual insurance, but has easier medical qualification requirements. The best way to approach this distinction is to first access your medical history before deciding whether group or individual insurance is best. Personal help is available free of charge through OnlineAdviser service at If pre-existing medical condition is the primary consideration, you may want to read the article "Finding Health Insurance to Cover Pre-existing Medical Conditions" at


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