Generally, a major disadvantage of a Group Health Insurance Policy is that it ceases to exist once the employee leaves the employer. The arrangement is for insuring employees of a company; so, when a person is no longer an employee of the company, the policy does not cover the employee and their family members.  Having said that, such people can chart out an individual journey with the insurer offering such a Group Health Insurance Policy. They can seek coverage for themselves and their family by converting to a different health insurance policy and paying the associated premium.