Oh, you must not live in the United States where the insurance must cover people with pre-existing conditions. I have not had insurance through my company for years. Well, I did, but not my family. They paid for my coverage. However, it was much cheaper to insure my family on the open market rather than through the employer plan. People seem to have got it in their head that they have to be tied to a company in order to receive health insurance. This has never been the case. Outside coverage has always been available, and it is often cheaper other than whatever part the company covers. These days a lot of companies "offer" an "excellent benefit plan", but when you look at it, you pay 100% of the premium. How is that an "Offer"? You could get the same outside, probably for less money, and not be tied to a particular employer.