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Individual Health Insurance

Individual health insurance is coverage that applies to one person, but does not cover their spouse or children. Often, though companies provide coverage for spouse and children, the worker’s spouse is covered by a policy at his or her place of work. Many people purchase individual health insurance policies when they are single and convert to a family policy later. This type of policy is also good for people not covered by a benefit program at work. Given the high cost of medical care, most people who can afford a policy purchase one. However, so many Americans are still not covered by a policy that Congress continues to explore passing a law providing coverage for every person in the country.

 

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Legal Articles

  • What are 'Acts of God' clauses in insurance policies?
    Traditionally, homeowner’s insurance policies have contained an exclusion clause for damages caused by “acts of God”, a catch-all term that covers any sort of act of nature that cannot be controlled, like earthquakes or hurricanes. “Acts of God” also typically include damages as a result of war, i.e. a nuclear war. In recent years, however, there has … more

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Individual Health Insurance Attorneys

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