Private insurance plans include all forms of health insurance that are not funded by the government.
These plans are intended to protect their beneficiaries from the high costs that may be incurred for health care. Most private insurance plans in the United States are employment-based.
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Of the nearly 239 million Americans who are covered by private health insurance, approximately nine in 10 (213 million, or 89%) are enrolled in employment-based plans.
Private health insurance plans may be purchased on an individual or group basis. Most group plans are offered by large employers, although some are available through voluntary associations. Individual policies are usually more expensive than group policies. Furthermore, they may have additional coverage restrictions.