Check out the healthcare.gov website, which will direct you to your state's exchange, and shop around on the marketplace there (you'll probably have to wait until the open enrollment period to actually buy). I was able to purchase the exact same insurance plan, from the exact same provider, for about 30% cheaper directly there than through my job. Your company negotiates rates with the insurance company based on the number of employees, average claims, etc. The high rate of claims through my workplace pool was actually driving all of our premiums up. In other words, you may be better off on your own.