First I want to say that I'm not knocking insurances offered as benefits to employees. It's obvious that the costs can't be beat compared to personal insurance purchased separately but...would you ever consider buying it anyway just in case of the unexpected happening...company closed or moved away or getting terminated or laid off. Do we depend so much on what could be considered as a 'sure' thing and become content with it to 'not' give the possibility of the unexpected a second thought to even prepare ourselves for it? Wouldn't it be advantageous to be invested in future planning? If we saving so much by paying into a company's benefit plan, couldn't we take some of that we save and buy additional coverage outside of the job. Granted it may not be feasible in some cases financially but it is something to think about? Any thoughts?