Getting family health insurance can be much less expensive than what individual insurance costs. Health insurance is something that everyone should have, but unfortunately, it can be very expensive. While some employers offer their workers health insurance through their company, many either cannot afford it, and many employers dont offer it at all. Health insurance is a need in todays world, to protect against illnesses and accidents. Many individual insurance plans will allow you to cover other families for a slightly higher premium. They can be actually be much more affordable; especially when youre family has similar medical needs.