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Individual and family insurance is health insurance coverage on an individual or family, not on a group basis. The premium is usually higher for an individual health insurance plan than for a group policy, but you may not qualify for a group plan.
Even in the world's most mature insurance markets, many people remain under-insured today. Half of all Americans, for example, believe they lack the coverage they would need for income replacement, disability, and long-term care. With people living longer than ever, individuals must find new ways to close this insurance gap.
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