Yes. Get your own health insurance plan. Your employer will reimburse your medical bills only as long as you are employed there. If you switch jobs, start your own business or even retire, you are at risk without health cover in an emergency. If your employer stops health coverage, you’ll be safe with your own health policy without which you’ll end up bearing your medical expenses. Also, employers usually impose a limit, so if your bills are higher than this limit, you can fall back on your own plan. Besides, you can avail income tax exemptions with your health insurance plans.