I often get asked by clients if they should take the employer health insurance or get a plan on their own. Which is one is better or which one is cheaper.
My answer is : depends on many factors, among them ; cost, coverage, entry
A group plan has coverage for 45 specific mandates . A mandate is a requirement that a health plan must cover a procedure or test. These mandates makes insurance more comprehensive, they also make it more expensive. (i.e. Maternity, Prostate Cancer Screening, Ovarian Cancer Screening, Clamydia, etc)
Individual plans may not necessarily cover all 45 mandates which makes it cheaper
Cost – Group plans may be less expensive depending on several things such as number of employees participating , composition of the insured population within the group, overall health of the group and how much the employer pays toward the insurance
Individual plan cost is based on the age, health and habits of only one person or family. A younger healthy , non smoking family will less expensive than one that is older and are tobacco users.
Coverage – In group situation, the choices will be limited to the plans offered by the employer. In an individual situation, they have hundreds of plans that they can select based on coverage and cost.
Acceptance – Groups have open enrollment periods and waiting periods for new employee, as long as the person who works full time has met those requirements, they have easy entry to their plan.
Individuals must submit an application for coverage to be considered. They could be approved , rated higher or declined depending on their health and habits.
Most of the time , I suggest that the employee first take a look at how much is their employer paying toward their plan as a single person versus their family.

Yogi Berra says : when you come to a fork on the road, take it. The important thing is to get covered.
Ask an insurance agent for their help and opinion.
First of all, either way you, you should not be without insurance.

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