With so many Americans now without health insurance, it's a good thing that many of our employers still offer group health insurance as an affordable option. Unlike buying an individual or family health insurance policy, that can be very expensive going through private insurance companies, group health insurance is purchased through your work, along with several other co-workers. This buying power from the "group" allows the people that work for your employer to save a lot of money on health insurance for themselves and their families.

Lack of affordable health insurance is a huge issue right now in the United States. There are an estimated 40 million Americans (at the time of this writing) that are without any health insurance coverage at all and many of those uninsured are our children. Being able to buy group health insurance through work has made it possible for many families to buy affordable health care. Unfortunately, with the cost of insurance premiums skyrocketing in recent years, many small businesses have had to stop offering group health insurance to their employees. This has forced millions of individuals and families into the private sector to buy insurance and, unfortunately, many of these people will now go without health benefits because they simply can't afford to pay for it.

Group health insurance is an excellent alternative to buying insurance yourself from a private insurance company. If your place of employment offers you health insurance, you should take full advantage of those health care benefits as long as you possibly can.