Commercial Insurance

Commercial health insurance is any type of health insurance policy not offered or provided by the government. Companies are for-profit and offer both group and individual plans. Often, people enroll through an employer who either covers the entire premium or a portion of it, with the remaining cost deducted from the participating employee’s payroll.

Commercial health insurance is most commonly structured in one of two ways:

• Health Maintenance Organization (HMO)
• Preferred Provider Organization (PPO)