Not just existing bills, but health insurance paid individually is usually more expensive. That has been one of the few things keeping me at work. Companies have incredible purchasing power with insurance and this usually also bypasses insurance companies setting a rate based on a persons health history. This is one surprise some will get when they exit the workforce early. I've heard that there are some non profit groups that also have group purchasing power, like some religious groups. Maybe there are other big groups that do this as well. Anyone know of other big groups that can get the same discounts as corporations?