Our American Government has made health insurance mandatory. The last date for getting this insurance is somwehere in 2014. Almost everyone is going to be affected by this including individuals, employees and employers.
Individual Health Insurance
A person should have individual healthcare.
If your employer is not having insurance benefits, then it is your responsibility to get one. One option for you in that case is go to a health insurance exchange & get your coverage. Everyone may need to pay premium in that case. Some exceptions are there.