In order to keep group health insurance rates low, some groups are considering group health insurance that excludes coverage in the USA. This may be a good way to initiate group coverage when your group is not yet ready to handle higher insurance premiums. This is certainly a good option if you live in or near a country that has good medical care, e.g. Singapore, Japan, Korea, European countries, South Africa, Brazil etc. After a period of time on such a plan, if your group is relatively healthy, it would be quite easy to switch to a group plan that would include coverage in the USA. Group rates excluding coverage in the USA can be twenty-five to thirty per cent lower than standard US rates.