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One of the hardest things about leaving a job is walking away from the benefits package. Once you're out on your own whether you're starting your own business, working for a small employer that offers no coverage or suddenly find yourself among the ranks of the unemployed the reality is the same: You must cough up a lot of dough for what will feel like inferior health coverage. A group health insurance is a better option for one who has health issues. When health insurance is purchased as an individual, the insurer of course will assess only you. He will inquire into your health profile and the risk you represent to determine the premium. When you are part of a group, the risk of the group as a whole is what the insurer will assess. For one who is healthy and believes he will remain so, buying a health insurance by you is a wise investment. Otherwise, be part of a large group whose average health risk may be better. 1 | ||