For a majority of people, health care is one of those sensitive subjects. No matter what solution to health care is presented, there is undoubtedly going to be someone that disagrees. And given the current political climate, the debate over health care is at the forefront of everyone’s minds. Until this debate comes to some form of resolution, for most of us there will continue to be only two types of coverage: group insurance and private health insurance.

Of these two options, the more appealing is typically the group insurance option. Most people would rather not have to front the entire cost of the insurance, as well as worry about the myriad of other factors involved with private insurance. If your employer is going to offer health insurance as a benefit package, in most cases you will be best off taking the offer.

Group insurance offered by your employer will often cover at least a portion of your premium costs. Certain packages may even be designed to provide coverage for the employee’s family. For the company, providing this benefit can be a strong recruiting incentive and allow for retention of important employees. » Read more: The Private Health Care Insurance Debate