At least in North Carolina, it’s sometimes cheaper to buy health insurance on your own rather than through your employer. It’s especially true for people in good health. For example, one employee found he could get insurance for his family for $303 compared to $700 if he went through his employer. If you’re not in good health, you’re better off sticking with the employer coverage.
BCBS of NC has seen the number of individual policies skyrocket over the last few years. As healthy people opt out of the employer-based system, employer premiums will rise and fewer employers will offer coverage. Those that do may end up discriminating against the sick and at- risk to keep costs down.
In Massachusetts insurers ore only allowed to price based on zip code and age. Maybe that’s a better policy.July 3, 2005