text: what does the group and individual in health insurances mean? does group means family and does the individual mean just single? group insurance is the health insurance that you get from work. it is where the liability is spread over a group of people. in an individial policy the policyholder takes out the policy by themselves and they bare the risk. by risk i mean that when you get very sick an individual policy may raise the rates, in a group policy it is spread over the members of the group so one person getting sick does not affect the overall premium.,