What is the difference between individual and organization accounts in github?

I have a small team

The repos need to be private

What is the minimum cost configuration I need on github to achieve this?

Can I do this in an individual account?

Or do I need a org/team account?

what is it that I cannot do, if I am already able to have private repos in individual accounts?

Let me look at this article: Introducing unlimited private repositories

Unlimited private repos for 7$ a month

You can invite collaborators

A paid personal account allows you to invite collaborators directly to your private repositories. If you need more granular permissions beyond full access, an organization plan is recommended.

That was as of May 2016!!

It is 2018 now, let me see what changed

difference between github for individuals and teams

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Here is github pricing, hopefully date independent

Unlimited public repositories

Unlimited private repositories NEW

3 collaborators for private repositories

Issues and bug tracking

Project management

Unlimited public repositories

Unlimited private repositories

Unlimited collaborators

Issues and bug tracking

Project management

Advanced tools and insights

Here is Github pricing page

It is priced based on users

About 10 dollars a user

Any number of private repos

Team based access controls that is not available in individual where the collaborators have full access.

User management screens and controls

Single sign on

On premise

Auditing

Security

20 dollars a user per month

Who can create private repositories in personal accounts?

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As a collaborator in Github Pro I am not able to create private repos

Search for: As a collaborator in Github Pro I am not able to create private repos

Github Pro features

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Setting repo visibility in Github

GitHubs products are listed here

No earth shattering info, but a link to perhaps other links

where do I see what kind of a Github account I have?

Search for: where do I see what kind of a Github account I have?

they took 2 days to answer. It is ok. Reasonable SLA.

Here is the specific answer: "Thanks for writing in! A quick way to know if you are looking at an individual account versus an organizational account is with an individual account, you will see the picture of the user and their repositories. If you are on a organization account's page, you will see a list of repositories and tabs with different options. The layouts are similar but do the same thing with a little tweak."


//Individual account URL
https://github.com/SatyaKomatineni

//An individual Repos URL
https://github.com/SatyaKomatineni


//An Orgs URL may look like this
//So they are not that different
https://github.com/(your-org-name)

//tab difference
An org will have 
teams
People
as tabs

//URL difference for assets
https://github.com/orgs/(your-org)/people/SatyaKomatineni

//Not sure yet how an orgs repo URL may look like

Go to billing settings and you will see an option to upgrade.

In an individual account a collaborator is not tied to the account but to particular repo

So the owner of the account and hence the repo can invite collaborators for each repo

So only the owner can create new repos (I think.)