husband's company's open enrollment period is starting. The agent told husband that it would be cheaper for us to purchase an individual policy just for us instead of being part of the group coverage. husband is one of the youngest employees and we don't need maternity coverage and neither of us are smokers,nor have had cancer, etc. so we are a much lower risk group than his co-workers. The clear benefits: *lower premium for same health insurance plan *able to add dental coverage and still have lower premium Drawbacks? The agent says none but I think there must be. Anyone go through this or work in health insurance?