More turn to professional groups for insurance

Facing rising health-insurance premiums a struggling economy, an increasing number of small-business owners and individuals without job-based insurance are turning to professional associations and trade and affinity groups that offer grouplike health coverage to their members. State medical associations, bar associations, local chambers of commerce, and associations for people with similar interests or hobbies often offer insurance to their members. Before enrolling in a plan, individuals must first join the association, which typically involves paying a membership fee and proving they meet its entry requirements.