I'm a benefits guy by employment, been in the business for 12 years. Work for the largest healthcare company in Colorado. When comparing benefits you have to compare apples to apples.

While there are some good individual policies out there, you need to understand what your needs are, whats important, and how much can you afford to pay "if" something happens.

Feel free to PM or catch me on Skype at bmouton09 and I talk you through the maze of options.

Oh, and the others are right Obamacare is causing a lot of issues for employer coverage due to the way the legislation is setup. There are lots of variables that go into the cost and coverage.