The Two Most Common Options
Group Health Insurance
Many people receive health insurance through their employer or their spouse's employer. This is often the best option, as acceptance is guaranteed, regardless of the employees health history. Also, employers often pay a large amount of the premium for the employee, and sometimes their dependents.
As the market changes, employers are paying less and less of their employee's premiums, due to the increased cost of healthcare.
Individual and Family Health Insurance
Individual and family plans are offered in the independent market. These plans are meant for people who don't have employer-sponsored health insurance offered to them, or they feel that they may get a better deal by going out on their own.
