Comment: Re:There's more to this story (Score 1) 691
It's probably going to cost more because...
But also more importantly because the insurance only stays cheap if you don't need it much. If the transaction is strictly between you and the insurer, they have an incentive to cut you off when you start to cost too much. If you're in an employee group, at least they have to think about the downside of losing the whole group.