[pasbesoin]

Also, factor in and take COBRA health insurance (if your context provides for it).

You never know what might hit. The group pricing is cheaper than you will find, individually.

And, with the uncertainty in U.S. health care (if we are talking about the U.S. context), it is worthwhile right now to maintain continuous coverage. You don't want one or another variation of the ACA "repeal" push to suddenly make a gap in coverage much more significant and negatively impactful.