We're debating getting corporate health insurance via the company or both just getting our individual plans. We both have relatively the same health needs(just major accident coverage). What do you do for yourself: corporate or individual coverage?
* Get high-deductable, low-premium insurance --- make sure it's a plan that qualifies for an HSA. You want to be paying low hundred(s) every month, but also essentially paying out of pocket for your doctor's visits.
* If you have a bunch of people on your team, get group coverage. The major win for group coverage isn't cost (you may actually pay a little more), but that everyone on your team gets covered regardless of preexisting conditions. On your own, you can get flat-out turned down for relatively minor problems.
* Ours is Oxford/United (Oxford if you're in Manhattan, United everywhere else --- Chicago, in our case). I'm not a fan, but it works.
* Carrying insurance has been a major hiring win for us. Again, there are A-players that can't effectively cover themselves, because of innocuous but disqualifying health records.
I agree; it is much easier to take a job with a small company knowing that the health insurance situation is secure. For many, the two most important things about a job (other than the work itself) is the compensation (salary/equity) and health insurance. Especially if the potential employee has a family.
You could conceivably risk scaring away a great employee due to problems with health insurance. Well, at least here in the USA.