Perhaps there is no area of the law more complex for the average American than insurance law. Health care and disability insurance coverage is no longer a luxury; it is a necessity for most individuals. By far, the majority of private health care insurance policies that are underwritten in the United States are those covered by employer group plans. As such, the sheer number of insureds in each group plan helps to reduce the cost of premiums and helps to standardize many provisions of plan coverage. By contrast, personal insurance purchased by individuals tends to be more costly, less comprehensive, but ostensibly more “portable,” (remaining in effect despite job changes, periods of unemployment).

Inside Insurance