In CA, yes. This may jeopardize the entire plan, as the Insurance Companies, generally require the employer to pay at least 50% of the premium.
The employer could shop rates at http://www.quotit.net/eProGroup/login.asp?brokerID=23433638&license_no=0596610 with no obligation.
Healthy employees, no pre-exisiting conditions can shop for individual plans here http://www.quotit.net/eproIFP/webPages/infoEntry/InfoEntryZip.asp?license_no=0596610
Those with health problems would not be able to get COBRA if there is no group health plan in force. They could get HIPAA http://www.steveshorr.com/HIPAA.Rates.htm
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