> Your insurance is tied to your employer but you can also get insurance on the private market. Generally Employer insurance is much much cheaper as the employe

> Your insurance is tied to your employer but you can also get insurance on the private market. Generally Employer insurance is much much cheaper as the employer can negotiate with a large number of seats over costs and has a vested interest in employee health. Another reason might also be that an employers group consists mostly of healthy working age adults. Once they’re not healthy they often are no longer able to work for the employer and aren’t in the group.