Is good group health insurance available through unions, clubs, associations, etc?
August 24, 2006 11:34 AM Subscribe
Are there real, decent options for getting group insurance other than from an employer? I'm mostly thinking about unions, associations, professional organizations, etc.
posted by weston to Work & Money (15 answers total) 5 users marked this as a favorite
I've had good insurance through my employer for two years, but I'm uncomfortable with this state of affairs. I don't plan to stay forever, and in any case, having ones insurance connected to ones employment seems like poor personal risk management.
It would seem there's only two alternatives:
(1) Buying an individual policy.
(2) Find some other group under which one could have a policy written.
I've done #1, and will do it again if I must, but my experience has been that premiums increase at a drastic rate, coverage tends to be inferior, and the law seems to allow continuity between policies to be spottier than with group coverage.
So I'd like to look into #2. Some people have suggested to me that it's possible to find good coverage through guilds, unions, associations, etc. Does anyone have experience with this, or know people who do?
If it's a valid path, any ideas of organizations to look at? Potential niches for me include computing, math, songwriting/performing, and audio related organizations. The ACM and AES are two I'm eyeing.