The major disadvantage of group health insurance is a distinct lack of personal customization, as employees are locked into the specific plan tiers, network providers, and deductible structures chosen by their employer rather than tailoring a policy to individual medical needs. Furthermore, group plans lack portability; if you leave your job, lose employment, or retire, your coverage typically terminates, forcing you to rely on expensive continuation options like COBRA or purchase an independent policy on the open individual market.
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