Group plans are more affordable than individual healthcare insurance plans. So for those who have the privilege of using a group plan, it presents the opportunity of paying lower rates than otherwise. This should be of particular interest to older people, smokers or obese persons who generally get high premiums. A group plan will save you a lot if you have a medical condition that makes an individual plan either too expensive or hard to come by. Give a group plan careful thought if you really want more affordable premium. However, if you are particularly very healthy, you may just opt for catastrophic health insurance. This will cost you a lot less while protecting your adequate in the event of a grave catastrophic event like an accident or terminal disease.