Family Health Insurance

Family health insurance can be categorized as either indemnity or managed care health insurance. The managed care plans are of various designs – Health Maintenance Organizations (HMO), Preferred Provider Organization (PPO) and Point of Service (POS). If you are not eligible for a group health insurance plan then you must go for an individual health plan.

Health insurance may be a confusing term to many of the citizens. Health insurance for individuals can be either for an individual, or to a family. This means that Individual health insurance can be either for a single person or also for a whole family. Here the confusion is that the individual policy is for a family, more than one individual is covered. This is differentiated by the plan under which the individual or family has coverage. The individual policy in the family is issued in terms of a group policy.

The terms family health insurance and individual health insurance are often used interchangeable. But there is a big difference in them and that is the cost of the policy. The family health insurance will always cost you more than a normal individual health insurance. This is because of the fact that in family health insurance more than one individual is covered under a single policy.

While buying a family health insurance, there will a number of different choices to select from. Every family is unique, and each has their own situations. You should investigate each and every plan with full details before going in for a particular policy. The policy that you choose should enclose all your family requirements and needs. You can also take the help of a health insurance broker who will guide you and educate you with all the things involved in buying the insurance of your choice.



Family managed health insurance plans have all the benefits of the market. They have gradually replaced the traditional indemnity plans. The market of health care has constantly rising which has brought the introduction of managed care plans nowadays. Managed care plans are helpful in controlling costs much better than indemnity plans. This has made them more popular in the market today.