September 3, 2021

Health insurance is a necessity in the United States, but it can be difficult to know which type of health insurance is best for your client’s needs. There are four main types of health insurance: individual, group, Medicare, and Medicaid. If you don’t have employer-provided coverage or you’re not eligible for Medicare or Medicaid, then an individual plan will work best for you. Group plans are often cheaper than individual plans because they provide cost savings through economies of scale; however, there may be restrictions on pre-existing conditions that could make this option less attractive.