Final answer:
The statement is false as individual health insurance policies imply direct-purchase insurance, which is bought privately, not provided by an employer. Employment-based insurance is a group plan and is subject to the employer mandate for businesses with more than 50 employees.
Step-by-step explanation:
The statement in question seems to imply that Dixon is comparing health insurance policies provided by his employer, which would typically make them employment-based insurances. However, this is false as individual health insurance policies imply direct-purchase insurance, which is not provided by an employer but rather bought directly from a private company. The question appears to be testing knowledge about the different types of health insurance available, specifically the distinction between employment-based insurance, which is often offered by larger employers as part of a benefits package, and direct-purchase insurance, which individuals buy on their own.
In the context of the U.S. health insurance market, employment-based insurance is a way to address the issue of adverse selection, as it combines a diverse group of employees with varying health risks, which is favorable to insurance companies. For businesses with more than 50 employees, there is an employer mandate requiring them to offer health insurance to their employees. The individual mandate provision of the 2010 U.S. healthcare reform requires everyone to have insurance or pay a penalty, further encouraging individuals to acquire insurance coverage.