If gun ownership is a personal right, you may own guns even though you are not part of a well regulated militia or in the military.
If gun ownership is a collective right you as a single person do not have a right to own guns, but society in general does. In other words, gun ownership could be restricted to militia, military, etc.
Here's how the DV vs Heller case was phrased:
Quote:
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The petition for a writ of certiorari is granted limited to the following question: Whether the following provisions, D.C. Code ยงยง 7-2502.02(a)(4), 22-4504(a), and 7-2507.02, violate the Second Amendment rights of individuals who are not affiliated with any state-regulated militia, but who wish to keep handguns and other firearms for private use in their homes?
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SCOTUS decided that it is an individual right, not a collective right.