Quote Originally Posted by Lady's Human View Post
Okay, let's write an individual policy......

You're a male, (cost just went up, we have a tendency to take lousy care of ourselves), some former mil experience (cost just went up again, tend to be risk takers), over 30 (Cost rises again).......ad nauseum. Exactly how does that make a policy cheaper, unless you're an 18 to 20 something male in good physical shape with no outside risk factors added in?

Group policies are written to spread the risk of the coverage over a larger group, and mitigate the risk of an individual. The bigger the group, the less impact one individual will have on the costs of the group.
You are a member of a union arent you?