| Question:
 Can I purchase my own health insurance instead of using what is provided by my husband's employer?
Answer:
Yes. There are a number of insurance providers that could offer a variety of individual policies for you to choose from. Before jumping into anything, however, let’s make a quick comparison of individual versus group coverage. With group insurance, you only enjoy benefits the employer offers. Group policies are not nearly as flexible as individual policies. Individual policies allow you to choose from a variety of deductibles. If you are not a parent, you can remove maternity coverage. Individual plans are also the easiest to renew, whereas an employer can cancel a group policy at any time. Regarding general benefits, group insurance is usually more generous. Yearly mammograms are covered and trips to the chiropractor are generally covered. In addition, group policies are usually less expensive. There are definite pros and cons to both types of coverage.
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