Which type of policy allows for conversion to an individual policy?

A health insurance policy that allows for conversion to an individual policy is generally associated with group insurance policies. When individuals are part of a group insurance plan, such as those offered through an employer, they often have the option to convert their coverage to an individual policy if they leave the group or the group plan is terminated. This is a key feature designed to provide continuity of coverage for individuals who might otherwise lose their insurance.

Certificates of coverage do not directly offer conversion options; they serve as evidence of insurance coverage under a group policy but are typically not standalone policies themselves. Individual employer plans refer to insurance contracts that are specific to employment situations and may have different conversion terms compared to group policies. While theoretically any health insurance policy might have some conversion options, the most reliable and common provision typically found is in group insurance policies, emphasizing their role in maintaining coverage continuity for individuals.