A person covered by an individual health plan is considered to be:

A person covered by an individual health plan is considered to have been issued a policy because an individual health plan is specifically designed for single policyholders, rather than groups. When a person applies for an individual health plan, they go through underwriting or eligibility criteria specific to their health status and personal circumstances. Once approved, they receive a policy document that outlines their coverage terms, benefits, and responsibilities.

In contrast, options related to government subsidies, group insurance, and automatic enrollment in Medicare do not apply to individuals holding a standalone individual health plan. Government subsidies are typically associated with plans purchased through health insurance marketplaces and may not universally apply to anyone with an individual plan; group insurance refers to plans provided through employers or organizations, which does not pertain to individual coverage; and enrollment in Medicare generally targets individuals over the age of 65 or those with certain disabilities, which is also unrelated to individual health policies. Overall, the issuance of a policy is a fundamental characteristic of being covered by an individual health plan.