A common misconception about individual health insurance is that it costs more ( "Group") insurance through the employer. When in fact, on average, individual health insurance costs up to 60 percent less than comparable coverage on the group market. How much of individual health insurance? Let's take a look. 
How much does an individual health insurance policy?
There are a number of variables that play into the cost of individual / family health insurance, but the national average cost in 2014 was $ 346 / month for coverage individual and $ 667 / month for family coverage.
These national averages do not take into account discounts that could qualify through tax credits of premium. In the federal run (healthcare.gov) market, 87% of those who chose a 2014 health plan premiums received on tax credits, and paid an average of $ 82 / month ( Source ).
Example Rates Individual health insurance policies (2014 Individual coverage)
| age | annual revenues | type of diet | monthly premium, with applied tax credit premium |
| 27 | $ 25,000 | Silver | $ 167 / month |
| 30 | $ 30000 | Silver | $ 208 / month |
| 47 | $ 50,000 | Silver | $ 338 / month |
| 55 | $ 75,000 | Silver | $ 482 / month |
See sampling rate in your state with this calculator
How health insurance employer-Based Cost ( "Group")?
In 2014 Employer Survey on the health benefits of the Kaiser Family Foundation , the average monthly employee contribution for insurance -maladie collective employer is $ 0 / month for individual coverage and $ 402 / month for family coverage. What the employee does not normally see, however, employers pay a significantly higher portion of the cost.
In 2014, the average total monthly premiums for the insurance group health were $ 502 / month for single coverage and $ 1,403 / month for family coverage.
individual health insurance vs. Group Health Insurance
Here is an overview of the average insurance cost individual health over costs average group health insurance for 2014 (national average).
| individual health insurance (No premium tax credits) | individual health insurance (with premium tax credits) | health insurance Group | |
| Single | $ 346 / month | $ 82 / month | $ 502 / month |
| family | $ 667 / month | (data not available) | $ 1,403 / month |
See also: Why individual health insurance is more affordable than group health insurance
using the individual health insurance to provide health benefits
for most employers, there are significant savings by using health insurance individual - not group health insurance - as the basis of benefits for the health of employees.
How? Employers can contribute to the cost of individual health insurance plans on a tax-free basis, as they did with the group health insurance.
Instead of dividing the cost of insurance expensive group health, employers can set a " defined contribution " by health repayment Plan (HRP) and allow their employees to purchase a more affordable individual insurance health. With this approach, employees have access to quality, portable health insurance coverage and the employer and employees save money.
Conclusion
The individual health insurance health policies are by far the fastest growing form of health insurance United States. As employers see the savings and benefits of the modern individual health insurance, they use individual health insurance - no group health insurance - as basic benefits for the health of employees.
Is this a passing trend? Recent market analysis suggests not. S & P Capital IQ, a division of McGraw Hill Financial, predicts that by 2020, 0 percent of US employees who currently receive health insurance through their employers could be moved to individual health insurance exchanges and government. The major driver? . Cost
Editor's Note: This article was originally published in February 2012.
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