Which of the following is a way that individuals in the US can obtain health insurance?

Employer-sponsored plans are a primary way for individuals in the United States to obtain health insurance. This system allows employees to receive health coverage as part of their employment benefits. Employers may offer various plans through which employees can choose coverage that fits their needs, often at a subsidized cost relative to purchasing insurance independently.

Employer-sponsored insurance is beneficial because it typically offers lower premiums and better coverage due to the large group of employees covered under the plan, which helps balance the risk among many individuals. Additionally, this form of insurance often includes options for family members, making it a versatile choice for many households.

The other options do not serve as common means of obtaining health insurance. For example, direct purchase from hospitals is not a standard practice for obtaining comprehensive health insurance. Unemployment benefits do not provide health insurance coverage directly, although individuals may qualify for programs like COBRA after leaving an employer. Finally, while there are government programs available, free government insurance for all does not reflect the current state of the healthcare system in the US, where eligibility and coverage vary widely.