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Should I get my health insurance through my employer's plan?

Last Updated: March 30, 2009

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In most cases, yes. You will be eligible for a group plan, group premium rate, and automatic coverage. Getting your own health insurance, or paying medical bills without insurance, generally costs a lot more than enrolling in a health insurance plan at work. An exception to advice to enroll in an employer plan would be if your employer's health insurance plan is a poor one and provides only "bare bones" coverage. In this case, you might need to rely on a spouse's health insurance plan or seek individual coverage.

If you have a high quality health plan at work, you are fortunate. Get the information from your employer, and read it carefully before making a decision on whether or not to enroll.

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