Commercial individual health insurance policies are regulated by individual states and include which of the following?

The correct answer highlights elements that are fundamental components of commercial individual health insurance policies as regulated by individual states. Indemnity insurance is a type of health coverage where insurers reimburse the insured for medical expenses regardless of the healthcare provider. This allows for greater flexibility in choosing healthcare providers and is a primary feature of many individual health insurance plans.

High-risk pools are specifically designed to provide coverage for individuals who may have pre-existing conditions or certain health risks that would otherwise make it difficult for them to obtain coverage. These pools help to ensure that those individuals still have access to health insurance, even if they are deemed a higher risk.

Managed care refers to a system that integrates the financing and delivery of appropriate healthcare services to covered individuals. The aim is to improve quality, control costs, and manage the quality of care, making it an essential aspect of modern health insurance offerings.

Association health insurance, while sometimes tangentially related to individual policies, refers to plans that are available to members of specific associations. They can provide group-like coverage to individuals who might not have access to traditional group insurance due to their employment status.

Thus, the selection of indemnity insurance, high-risk pools, managed care, and association health insurance captures the essential aspects of commercial individual health insurance policies