What is the Best Choice... Employer Health Insurance, Individual Health Insurance, or Group Health Insurance Through A MIf you are looking for a group health insurance plan the best place to look first for health insurance is your employer. The benefits of using your employer is that many employers often pay a percentage of the health insurance premium and there is no health exam needed. But, there are so many people self-employed now that they need to find group health insurance on their own. Their choice is to usually obtain individual health insurance. This is where one goes directly to a health insurance company to obtain health insurance coverage. Most people who are self-employed go this route. When one choose individual insurance they often will have to undergo medical exams to be approved and depending on the policy, many pre-existing conditions will not be covered. Also, the premium is costly since you are obtaining it on your own and are paying the premiums in full yourself. Obtaining health insurance through a membership organization may be a better option when your only option is obtaining individual health insurance. Because you will be pooled in with the other members of the organization your premiums may be lower. Also, there may be better support like a group information access number and a employee in the group that specifically handles the organization's health insurance. Depending on the organization, you may still need to take a medical exam and pre-existing conditions may still not be approved, but it really pays to shop around since all group health insurance from membership organizations will vary, some will vary greatly. embership Organization?