Jose has worked for the same company for over 10 years. He enjoys great benefits, including an HMO plan. However, he just received notice that the company will soon be closing.
A work-provided HMO plan should be treated as syrup on a sundae. It's something sweet to top off the main event. Insurance from the workplace rarely meets the specific needs of a person, since these usually cover just the basics. Individuals, especially those with families, usually need something more comprehensive.
Another reason why getting insured from a plan other than the one from work is that sooner or later, work ends. You can retire, resign, or the company can even shut its doors. Having your own insurance will guarantee that you have one less thing to worry about if you find yourself having to leave the company.