(Editor's note: This blog has been republished here with permission from Zane Benefits. This is part three of an ongoing series. You can check out part one here and you can read the original, in its entirety, here.)

The second reason group health insurance is bad for you, your family, and your company is because it is overpriced — you pay $4,000 to $12,000 more for the same coverage.

The average cost to cover an employee with group health insurance has increased from $2,196 per year in 1999 to $5,884 per year in 2013. For family coverage, the cost has increased from $5,791 per year in 1999 to $16,351 per year in 2013. This is not sustainable for employers or employees.

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