With group health insurance through an employer, the policy is paid for by the company on behalf of their employees. The company will contribute a large percentage toward the monthly premium and you will be responsible for paying the difference, about 16-27%. These prices can be very reasonable with good benefits, if your employer is willing to choose a plan with good options and cover a good portion of your premiums. Sometimes though, since employers are responsible for picking the plan and benefits for their company, the employer’s plan might be very expensive or not have benefits worth the price that you’d have to pay. With individual coverage, you choose the health insurance carrier and benefits you want with the help of a broker. You can choose from a wide price range and spectrum of options to tailor a plan that fits your needs. The premium range you are eligible for depends on a number of factors including your BMI, any pre-existing conditions, and your smoking habits. In this case, many people are able to find excellent benefits with plans within a price range they can afford.