You must be medically underwritten:
Although you risk being declined, the vast majority of people who apply for insurance are approved. And once you have coverage, a change in your health will not prevent you from continuing your coverage (which is actually an advantage).
The cost for personally owned insurance may be more expensive:
It’s the old adage “you get what you pay for”. Most personally owned policies cost more than group coverage because the insurer is at a higher risk of paying a claim, since most people tend to keep their personal insurance longer than their group protection. While you should expect to pay more for a better designed benefit, depending on your personal circumstances and the composition of your group, any differences may be minimal and in the long run, a personally owned policy may be a far less expensive purchase.