AHIP: Individual, Group Health Policies Are Similar

The researchers found that the typical health policy purchased by individual consumers is a preferred provider organization plan with an annual deductible between $750 and $2,000, an annual out-of-pocket limit between $3,000 and $7,500, and a lifetime maximum benefit of $2 million to $5 million.

In addition, the typical individual policy offers a prescription drug card as well as coverage for inpatient and outpatient mental health, inpatient and outpatient substance abuse, annual visits to an obstetrician and gynecologist, well-baby care and care for complications from pregnancy.