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Consequently, medical insurance shouldn't be low cost. Fortunately, most working Americans -- more than 159 million people -- participate in employer-primarily based medical health insurance [supply: Stanton]. In this system, employers pick up most of the cost with minimal expense to the worker. Realistically, jettisoning an organization well being plan in favor of a dearer private plan might not be the neatest financial move, particularly when the typical price of a private household health plan in 2009 was more than $13,000 yearly [supply: Fritze].