The subject of health insurance is on everyone’s minds as we have almost 50 million people without medical insurance today. Our government is focused on providing health insurance to everyone, but cannot agree as to how to go about this, or how it will be financed. Meanwhile, the 50 million people remain uninsured and are not receiving the medical attention that many desperately need. Many have applied for coverage but upon receiving health insurance quotes, they realize that they cannot possibly afford this for themselves or their families.

There are two types of health insurance plans generally associated with providing benefits to a number of people as opposed to the individual. Family health insurance covers family members of the employed or individual holding “member” status, while group health insurance is an option selected by employers to provide coverage options for their workers. While each provides benefits to a sum of individuals, family and group insurance differ in the ways they are selected and implemented.