Group health plans are not always cheaper than individual policies even with group buying power. Group plan pricing is based on the experience of the people in that group. Plans that experience a high claims volume might actually cost more than an individual policy. Or, the employer plan might be more expensive because it offers a level of coverage you don’t need.

AffordaBlue® from Blue Cross and Blue Shield of Kansas City (Blue KC) is one example of a policy that can be very competitive option. For example, a 39-year-old male might only pay $78.36 per month. If he wanted to include his whole family, the monthly premium would only be $280.18. These premiums are subject to underwriting review and your premiums may vary. And, AffordaBlue is just one option. But it does give you an idea of how affordable individual policies can be.