Why tie health insurance to a job ? It has been the way for generations, get a good job and get good benefits. That is waht my family told me, but things are different today than in my parents day. My father had the same job for 40 years, and that does make sense.
Today people change jobs, more than they change cars so it makes little sense now to count on your job for health coverage. On top of sense there are several other downsides too:
1) Most empoyers are starting to pass the expense of medical coverage onto the employee, and group insurance is more expensive.
2) If you leave your group and go on your own, or go to a position that does not have coverage you may not qualify for Individual Coverage becasue of pre-existing condiotions that occured during your group coverage.
3) many people feel trapped by their employeer, because of health insurance benefits, because they are un-insurable now but were not prior to their position.
4) When a group plan changes, you are forced to go with it so to save money companies raise their deductible at times up to $10,000 and you are forced to take that plan.
In these ever changing times, we suggest you get an individual or family health insurance plan to protect you and dont rely on a job.
Get a Family Health Insurance Quote quote or Individual Health insurance Quote
Ant that is how we answer the question, Why Tie Health Insurance to a Job ?