Commercial carriers are primarily characterized as:

Commercial carriers are primarily characterized as private sector for-profit organizations. This means that their primary objective is to generate profit while providing various services or products, which may include health insurance coverage. Unlike non-profit organizations, commercial carriers operate with the intent of making financial gains by offering insurance policies that cover a range of risks. Their operations are designed to attract customers through competitive pricing and a range of coverage options.

In contrast, non-profit organizations focus on serving the community and do not distribute profits to shareholders; instead, any surplus revenue is reinvested into the organization's mission. Government agencies, which provide health insurance, typically operate on a public funding basis and do not engage in profit-making activities, while organizations established for veterans usually aim to support and assist veterans rather than operate as profit-driven entities.