What are the two main ways health insurance can be acquired?

Health insurance can indeed be acquired primarily in two significant ways: as a group policy or individually. Group policies are typically offered by employers or organizations where multiple individuals are covered under a single plan. This often results in lower premiums and shared costs among members of the group. Individual policies, on the other hand, are purchased directly by individuals for themselves or their families, allowing for a customizable coverage option that is not linked to employment.

While government programs and private plans do exist, the classification combines multiple avenues of acquisition, which makes it a broader approach than identifying the two specific methods. The option mentioning only online marketplaces restricts the potential avenues for acquiring health insurance to one method, neglecting the other options available. Lastly, focusing solely on Medicare or Medicaid ignores the vast landscape of both private and other government-sponsored plans available beyond just these two programs. This highlights why the identification of group and individual plans is the most encompassing and accurate description of the primary ways to acquire health insurance.