In my last job, my employer offered quite good group health insurance but my new employer doesn't.
The cover they are providing does not offer many benefits and would not cover me if I was to have a bad accident which meant I had to take time off work or go into hospital.
Do they have to provide group health insurance or not?
As has been stated by a couple of other people, your employer is obliged, I believe, to provide some sort of insurance cover. When it comes to the level of cover of any health insurance plan they provide, there are no fast rules.
Whilst my employer provides group health insurance for employees, I was advised from the start to consider taking out my own personal health insurance policy.
A few of my fellow co-workers tried talking me out of it as they said it was just extra expense for no reason. No reason!? How can protecting one's life be no reason? OK I was fortunate enough to be able to afford to take out some extra health insurance.
If that is something that you think you can afford to do, I would recommend taking out some form of extra cover on top of what little cover your employer is providing.
It is far better to be safe than sorry. Don't just take any health insurance quote that is thrown at you though. Shop around for quotes and talk to the insurance rep to see exactly what you are going to get for your money.
Hope this helps?