What describes 'individual health insurance'?

Individual health insurance refers to a policy that is specifically purchased by an individual or a family independently of any employer-sponsored group plan. This type of insurance allows consumers to select coverage that best suits their personal health needs and financial situation, without reliance on their place of employment.

Purchasing individual health insurance is a crucial option for those who are self-employed, unemployed, or prefer to have their own plan rather than being enrolled in a group plan through an employer. This flexibility can also provide various benefits such as tailored coverage and the ability to choose from a range of insurers and plans available in the marketplace.

In contrast, other options describe different aspects of health insurance. For example, health coverage purchased for an entire family typically falls under group insurance plans provided by an employer, while preventive care-focused policies do not capture the full scope of individual coverage. Lastly, government-funded plans for the unemployed refer to assistance programs rather than individual insurance purchased directly by the consumer.