The reason you own your health insurance:
Nobody can take it away from you.
I have had cases where an employer has switched health insurance companies, during a month where an employee or dependent gets sick, and both the new and the old deny the claim.
Also, I've had cases where the company just dropped coverage altogether, for ALL employees. No COBRA in this instance, since the benefit plan no longer exists.
Is it cheaper to go through your employer? Yes, usually.
Why? Because the business is picking up a strong portion of the premium. You do NOT see the real costs of the benefits.
[That's why Americans believe health insurance is so cheap. They haven't been paying for it for YEARS!]
If you own, you can't lose it. (As long as you pay the premium...)
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