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@boozle Thank you for taking the time to reply! That was helpful.

@boozle Is it possible to get decent coverage OUTSIDE of a company? Our current insurance, through my company is about $900 a month, but offers higher OOP and less coverage than these plans.

@kutiekitty Honestly, I have no idea what FSA or HSA are. Edit. Oh wait, yeah, I know what those are. I think I would still need insurance because at any point my eldest could tear an ACL, or tear a groin (again) which is a significant expense. I know the deductibles are high, but the...

@nae64 No, it's a per paycheck deduction. Every 2 weeks

Like the title says, my wife started a new job, unfortunately they don't have an HR person yet, so no help there :( We are a family of 4. I go to the doctor 4 times per year, my wife goes when she's sick, our youngest rarely goes, but my eldest is a competitive athlete and can be injured any...