The most common way to qualify for group health insurance is though an employer. While group health insurance offers several benefits, it may not be the best choice for you.

Anyone who is a member of the group must be allowed to have the same health coverage as all other members of the group. If your plan has an open enrollment period, you can join or add family members. Even if you or a family member has had cancer or is a diabetic, you can join the group health policy, although there may be limits to coverage for pre-existing conditions for the first year.

Once you reach age forty to forty-five, you will find that cost for group insurance is less that you would pay for an individual plan. In this age bracket, you will find that insurance costs about the same for individual policies as for group health insurance. As you age, individual policies get more expensive.

There are also some disadvantages to group health insurance.

With many plans, you do not have the chance to customize your coverage. It the plan administrator chooses to go with a new plan, you are stuck with the new plan, whether it is beneficial to you are not. In this time of budget cuts, many individuals are finding that their employers are going with cheaper insurance and the employee is paying more from his own pocket.

If you are young and having to pay for your own insurance, the group plan may cost you more than an individual policy. Insurance companies feel that younger people are a lower risk so they can have insurance at a lower price for an individual policy. Be sure that you take this into consideration before automatically adding a spouse or children to a group policy from your work.

If you employer offers you group health insurance it is possible the company is paying part or all of your insurance. This is often a considerable benefit for working fro a company.

Learn more about Health Insurance. Stop by Dan Panera's site where you can find out all about getting the best insurance quote!