The benefits of health insurance can be summarized as the services you receive from your health insurance company. Every company has an assortment of different plans that may or may not work for you. Most companies are also willing to work with you to determine your needs. You can have certain areas of your health insurance plans cover certain types of injuries or illnesses more specifically, so that you pay less for recurring things like office visits and medicine, or you can spread out your coverage as a more general purpose plan.

Single person plans have a smaller array of benefits and can be more tailored to the person they cover. A person that needs more extensive eye care coverage might eliminate some other options in order to afford a vision plan. These plans also cost less than family plans simply because there is only one person to cover.

You can also have family plans that will cover all the people in your family equally. These family plans are usually cheaper than having multiple single-person plans, and also have higher coverage rates that are shared among everyone in the family. Family plans can be customized in the way single-person can, but usually not as specific as a single person plan. So you need to consider, overall, if your family has a lot of office visits or not.