why is group health insurance better than individual?

My employer is offering group insurance. My individual insurance seems like a better deal but everyone keeps saying group is better? Why is this?
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It's like size 10 jeans; Might be the best fit for someone else, but it's not necessarily the best fit for EVERYONE. Here's the scoop on group health insurance: you take everyone in the group, lump them together, and AVERAGE the price for their insurance. Group coverage actually costs MORE than private coverage. Additionally, on a group policy, YOU don't get to choose your coverage - your boss does (or at least, they pick the plan). And, usually the employer kicks in about half the cost. Additionally, they have to accept EVERYONE who is an employee, on the group. If an employee is newly added, and they don't have prior coverage, they can STILL exclude coverage for preexisting conditions for up to 18 months. Lastly, there are some coverages you can get on grouip policies that are almost impossible to get on private policies - like coverage for maternity, and/or infertility issues. Don't confuse "prediagnosed" with "preexisting". If the sypmtoms are there NOW, and you don't have insurance NOW, then the condition IS preexisting. On the down side, unless you're newly eligible for group coverage, you can only "sign on" during open enrollment - once a year. Unless you plan on keeping your job forever, or flat out aren't eligible for private health insurance, if the coverage on a private policy is much less expensive for the same coverage (which isn't uncommon, if you're under 30), there's really not much of an advantage to take the group plan.
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