[georgemcbay]

"According to the source above, family is around $4000, and individual is around $3000"

Additionally, I think the average listed there is a misleadingly low self-selector in that most anyone who has a pre-existing condition is likely to get quotes so expensive that getting an individual or family plan outside of the workplace is simply not a financially viable option.

There are many, many Americans for whom health insurance outside of a workplace group policy simply isn't an option, and that is sad, but the last thing needed to fix this problem is an application of Randian principles.

[tomjen3]

As somebody who is not an american, why would it be cheaper to get a health insurance through work if I had a preexisting condition - other than the obvious tax savings?

[locopati]

Your individual pre-existing condition does not bubble up to the group. However, when negotiating as an individual, then each pre-existing condition does get considered and factored into the cost. There's power in groups.

[tomjen3]

Thank you.

So at the same time, if one has no health conditions, one could expect to get a cheaper rate on an individual plan?

[mememememememe]

Well, in most situation yes. You as an individual. There other problem with pre-condition, it's very broad. They can make up all kinds of BS and claim your application must be filed different because of some "magical" precondition.

[capisce]

Presumably the employer has more bargaining power than a single individual.