Is their a hulking difference contained by individual insurance rates and group rates?

if a person can get insurance for themselves and their children at a rate of $600.00 per month, this person getting the insurance on their own through their own provider. Is it safe to say that equal person, is offered the same exact insurance through their employer and the insurance cost one almost double than getting it on their own. Or would you think that the insurance through the employer be a little cheaper due to group discount?(employer have approx. 20 employees) I know not all providers have equal rate, but double the rates?(almost $1,200.00 per month) I appreciate your input.
Answers:
This is not unusual. First off, it is doubtful that the group policy is exactly the same as the individual policy. Groups are mandate to offer coverage that individual policies don't offer. Second, groups are community rate, that is, everybody pays the same rate no thing the age. So younger people pay more than for individual coverage while elder people pay smaller quantity. Also, groups must cover people who may be uninsurable on the individual market, which medium everyone pays more. Source(s): Independent Agent

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