Individual Health Insurance
According to the U.S. Census Bureau about 60 percent of people get health insurance through their employer under group health insurance programs. Another 27 percent of the population is covered by government sponsored health care.
The remainder is the self-employed or those working for very small companies which do not provide health insurance benefits. If that describes you, you must directly purchase coverage directly through private health insurance companies. If you and your family have always been healthy, you will be able to choose from a variety of plans available in your state. However, if you've already had any medical conditions, or other high-risk factors, you may be unable to find a health insurance company that will insure you at any price.
All health insurance companies are in business to make money. They don't want to sell insurance to people who are most likely to utilize it. At the end of the day, what determines their profitability is that they need to take in more dollars in premiums than they pay out in benefits and administration costs. When a health insurance company sells a policy to a business it gets all that businesses' employees, healthy and sick.