Organizations such as trade unions, churches, professional societies and university alumni associations offer group medical insurance for their members at attractive rates. If you receive an offer for one of these plans, by all means take advantage of it. The group plan, however, might not give you the flexibility you’ll need (for example, it might not allow a really high deductible for savings on premiums). When shopping around, pay close attention what the plan covers in relation to the cost. Since the system is so complicated, you should review your insurance frequently to make sure you’re not paying too much for too little.
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