Not necessarily, my friends. A group health insurance are not always the most beneficial and economical way to go. Here are some reasons employees should consider switching their group plans for something more individualized:
1. Group health plans may provide unnecessary advantages .
For example, depending on your particular situation, you may have no need for something like maternity coverage.
2. You, Aore group plan may be, Äúgrandfathered., At
You may have heard the touted benefits provided by the reform of health care, but if your plan health hasn, AOT change in cost or benefits in the past few years, it can not provide one of these new advantages for you. In this scenario, your plan is considered, Äúgrandfathered, Âu and keep that status until costs or plans change.
3. This Äòmini med plan AO does not provide enough benefits .
Plans Mini med become a thing of the past. In fact, they will be eliminated by 2014. However, if this is the current coverage, limited your employer offers, remember to shop around for a more robust health insurance plan to meet your needs.
4. The employer can pass more costs for you .
Group plans tend to have more generous benefits than your typical individual plan. This makes the group has more expensive, which is fine for employees when they aren, AOT pick up the cost. Unfortunately, in recent years, more and more companies require their workers to contribute more money to their plans.
5. Small businesses have higher plans cost group .
If you work for a small business, then the premiums tend to be more expensive because the risk is spread among a smaller group of people insured. Why not see if you can get a better rate with a more appropriate cover?
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