What is a common feature of both group and individual health insurance plans?

A common feature of both group and individual health insurance plans is health care cost-sharing options. These options typically include components such as deductibles, copayments, and coinsurance, which determine how costs are divided between the insurer and the insured when they seek medical care.

In both types of plans, members usually share a portion of the costs after the plan has paid a certain amount toward their care, which helps to manage overall health care expenses. This cost-sharing arrangement encourages responsible use of health care services, as members often have to consider their financial responsibility when receiving care.

The other options, while they may apply to certain situations, do not universally characterize both group and individual health plans. For instance, tax deductions for premiums paid can vary based on the taxpayer's situation and the nature of the plan, and immediate access to specialists is not guaranteed in all cases within each plan type. Coverage for pre-existing conditions has specific regulations and may differ significantly depending on the type of plan and the laws in place at the time of enrollment.