While a group health insurance is beneficial for both the employer and employee, one of its biggest limitations is that, with respect to an employee the cover may not be enough to cover for all healthcare needs, as most Group Health Insurance plans are limited and generic in nature, unlike Individual Health Insurance plans that can also be customized as per personal healthcare requirements.
However, an ideal way to go about this is to have both a group health insurance plan and an individual health insurance plan that prove to work well for both healthcare needs and tax savings.