Originally Posted by Ygle
If you can get it, individual is much, much cheaper than group health insurance, so it's worth looking into! Also, if you have gone a period without health insurance often times you can have access to health insurance at a much lower rate (in my case we could get health insurance for about 1/15 the cost if we hadn't been paying a small fortune for insurance all these years, ugh!)
Can you elaborate? When you say individual, do you mean private health insurance rates are less then group health insurance? This isn't my experience!
In NY, I was self-employed and had private insurance for several years, starting at 900/mth. The premium increased 200 dollars each year. I dropped it when it reached 1350 (last year). And switched to catastrophic, 550 (last year) and it has already increased to 650/mth. The conventional policy with a 1000 dedeuctible started @ 900/mth, Right now, my kids are on the chp program which I pay 360/mth. Private family insurance was a nice 3600/mth a year ago.
Previous to my private insurance, I had insurance through my employer / a group policy, which was around 750 (for a family), and it was mostly paid for by the company. That rate was in 2006 though and has surely increased, but probably/hopefully not to the 3600.00 for family private insurance.