If you are considering getting individual health insurance, and your employer offers a group plan, you should take to time to consider whether an individual or group plan is best for you. Like everything in life, everything has its advantages and disadvantages, but when it comes to your health, you want to make the best choice for you and your family.
Advantages
The advantages of an individual health insurance plan far outweigh the disadvantages. First of all, if you have a group plan through your employer, that insurance terminates if you leave your job. There are some options to keep some of the coverage, but it can be very costly. Usually, a group plan is not tailored to your individual health needs. With an individual plan, you can get coverage that meets your specific health needs. This can save you a lot of money in the long run. Compare every health plan in your area now!
Most people think a group plan is cheaper than an individual plan. This is just not so. Actually, you can find an individual plan that meets your specific health needs and is less costly than a group plan. This is due to the competition among health providers for your business.
My advice to you is to be on the safe side and get an individual health insurance plan that meets your needs. Not only will the premiums be cheaper than a group health plan, you will also be assured that you are definitely covered for your specific health problems.