And I would contend (because I'm right) that you have no idea what you're talking about. The single most important feature of group health coverage, even more

And I would contend (because I'm right) that you have no idea what you're talking about. The single most important feature of group health coverage, even more than the lower costs, is the fact that they generally don't (and in many places can't) require health exams beforehand. This is obviously crucial for people with health problems. For example, if you are a survivor of many types of cancer, private health insurance is unavailable at any price. Perhaps you should take 2 minutes to educate yourself instead of spewing market efficiency nonsense.