Individual health insurance plans are known to be different from general, family or dental insurences and are more more expensive, yet, conditions, regulations and qualifications do vary depending on the state, the insurer and the package in question. In a comparison between the employer-sponsored health insurance and the individual health insurance plans provided by companies in the private sector, the difference is in the issue of the guarantees. There are many cases when companies refuse insurance coverage because of preexistent health conditions, or when the benefits of the treatments for pre-existent conditions are very limited conditions are minimal with many individual health insurance plans, and coverage refusal is pretty frequent}. The conditions of individual health insurance plans vary from state to state, and it is important to check them before signing any policy whatsoever.