Health insurance is the only type of insurance where you cannot truly pick your own plan that you can afford. When you insure your house or your car, you get to pick what you want covered and what kind of deductible you would like, each of these impacting the cost, which helps you pick your coverage and cover your risk at a price you feel like you can afford.
Because of group coverage with health, however, the only way to get "affordable" health coverage is through an employer's group discount, but then you don't really get to pick. Instead, the employer pre-selects the insurance company and a provides a few coverage options that you can choose from. One of the biggest fears in losing a job is "oh man, I am going to lose my health insurance coverage!"
In my opinion, and it might be very unpopular, is that there should not be group discounts for health insurance. Employers, instead of spending so much on health coverage, could pay their employees more (haha, right?!) Everyone should be able to just go out and design their own plan. Of course this is an "option" now, but it is a foolish one, because buying your own insurance is a ripoff when compared to group rates!!