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Health insurance can be purchased for an individual or for a family. Any health insurance purchased outside the “Group” status falls into the category of “Individual" - regardless of the plan description, benefits or number of members in a family. There are many varied choices available in the individual market such as High Deductible Major Medical Plans, Health Maintenance Organization (HMO’s), Preferred Provider Organizations (PPO’s), and Health Savings Accounts (HSA’s). An individual or employer can make the premium payments. Plans would cover such things as hospital, doctor and in some cases prescription costs. There are normally co-payments or deductibles associated with health insurance, however, there are usually maximum out of pocket expenses that one could incur in a given time. These plans might be area specific and could have benefit and premium changes annually.