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The vast majority of people who purchase health insurance will do so through some sort of a group. This group is often through an employer or a union, although there are also other types. However, there are some people who will buy individual health insurance. These people may work for themselves, or for an employer who does not offer any sort of insurance, and they are thus put into a position where they need to buy individual health insurance. The process of buying individual health insurance is much like it is with group insurance. However, for individual health insurance you will need to have more contact with the company yourself, rather than letting your employer do so for you.
The providers of individual health insurance are also slightly different. For group insurance, a company will rely on odds to even out over a large group of people. While they may lose money on a few clients, overall they will be profitable. Thus, for a company to specialize in individual health insurance they need to be able to ensure a very extensive client base. This will allow the provider of individual health insurance to play the odds in the same way as a provider of a large group. If the client base for the individual health insurance company is not big enough, their venture will be far too risky as a few high cost clients may force them into bankruptcy.
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