Sometimes the bargaining power is a hinderance. I am one of the few "young guys" at my work at 32. For the past few years our group plans premium has skyrocketed. At the begining of the year a couple of us "young guys" dropped the employer plan and went private. I dumped United Heath Care and then on my own bought better coverage United Health Care for just at half the cost. O and thats a family plan. Someone correct me if i'm wrong but,I'm pretty sure i read in Obamacare that if you make under $88,000 for a family you get gubment subsidies starting in 2011 or 2012 to help pay for your premiums. Something you should look into. Cant hurt.