Health Insurance and the Small Business
Our insurance broker, however, wanted to test the waters of individual coverage by applying to three health care providers in California. He advised that if we were approved, the premiums would be much less than that. The suspicious gene in me guessed it might have had something to do with commission. But I am certainly not one who is opposed to commission selling.
Group plans mandate coverage for a number of things that my wife and I have outgrown, such as maternity. While we no longer need that coverage (as evidenced by my wife's reenactment of the face she gave me in the delivery room during the birth of our youngest son), it is a required condition of group health care coverage for businesses.
This is yet another one of those times in life when you find you have lost some control of your destiny and placed your future in the hands of strangers. In these instances your future is given over to people who have no personal knowledge of you, other than as a faceless number in their daily routine. These are the folks who will decide if you are going to get health care coverage from the provider they represent, and more importantly, how much you will pay for that coverage.