Comments on: Find Affordable, Low Cost Health Insurance http://www.health-insurance-advisor.net/44/find-affordable-low-cost-health-insurance/ Health Insurance Quotes, Tips and Advice Fri, 27 Nov 2009 22:18:59 -0800 http://wordpress.org/?v=2.8.5 hourly 1 By: Medical Ins Agent Alston http://www.health-insurance-advisor.net/44/find-affordable-low-cost-health-insurance/comment-page-1/#comment-708 Medical Ins Agent Alston Fri, 27 Nov 2009 22:18:59 +0000 http://www.health-insurance-advisor.net/44/find-affordable-low-cost-health-insurance/#comment-708 Employer-sponsored insurance is in fact often more expensive than a health insurance policy that you might get on your own. This is because most health insurance policies that you buy on your own are underwritten. Group health insurance policies often are not. This means that the insurance company has to insure people who are less healthy when they apply for group insurance. This adverse selection is oftan a more powerful influence on the price than the benefits of the group discount. Employer-sponsored insurance is in fact often more expensive than a health insurance policy that you might get on your own.

This is because most health insurance policies that you buy on your own are underwritten. Group health insurance policies often are not. This means that the insurance company has to insure people who are less healthy when they apply for group insurance.

This adverse selection is oftan a more powerful influence on the price than the benefits of the group discount.

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