Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Sep 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

That depends on factors such as how healthy you are, where you live, and how much of the monthly premium your spouse’s employer will pay.

If you live in one of the few States that requires everyone to be allowed to buy coverage regardless of premium, you should simply look at the cost versus benefits to compare. If you live in a State that allows medical underwriting for both individuals and group coverage, you will likely find better options at a lower cost within the individual market. If the employer contributes nothing at all to the premium, you have a very good chance of finding an individual plan with similar benefits at a lower cost in most markets. If you live in a State that makes insurers accept or reject the entire group but allows the individual market to reject applicants for medical reasons, you will likely find individual coverage much less expensive if you are healthy but will be much more likely to get group coverage if you are not healthy.