What type of insurance is purchased by individuals who do not have access to group health insurance?

The correct choice is individual health insurance, which is designed specifically for those who do not have access to employer-sponsored or group health insurance plans. This type of insurance allows individuals to purchase coverage directly from insurance providers, ensuring they can obtain necessary medical care and financial protection regardless of their employment circumstances.

Individual health insurance policies can vary widely in terms of coverage, premiums, deductibles, and benefits, giving consumers the flexibility to choose a plan that fits their specific health needs and budget. This option is particularly important for freelancers, self-employed individuals, or those working in part-time jobs that do not provide group coverage.

In contrast, group health insurance is typically offered by employers to their employees, which excludes those who are not part of such a group. A single-payer plan refers to a system where a single public or quasi-public agency manages health care financing, differing fundamentally from individual insurance in terms of funding and organization. Public health insurance generally implies government-funded programs like Medicaid or Medicare, which address specific populations rather than providing a personal choice of insurance for individuals who lack job-based coverage.