Skywalk..
Through an employer, you are correct. But if a person cannot optain insurance through thier job (for whatever reason) the price becomes much higher.
However, there was an earlier posetr who mentioned that self employed people get a good deal somewhere else..I’d love to know more.
I’m talking about private insurance:
http://www.ehealthinsurance.com/
http://www.gohealthinsurance.com/
You put in very basic info and you get a good deal in most cases.
I really think you need to check it out.