There are a few advantages of having individual insurance rather than insurance through an employer. One advantage is that you can choose your own plan and tailor it to your specific needs. With employer-sponsored insurance, you may have to accept a plan that doesn't cover everything you need or want.
Another advantage of individual insurance is that you're not tied to a particular job. If you lose or leave your job, you can still keep your insurance. With employer-sponsored insurance, you would lose your coverage if you lost your job.
finally, people with pre-existing conditions can usually get coverage through an individual insurance plan, even if they are turned down for employer-sponsored insurance.
