Even though I’m young, I opted for our company’s better health care plan. My reasoning was that I’m highly mobile and don’t want to end up in another state and need healthcare (anything can happen!). My current plan makes it easier to go out of network. Also, the deductions happened as soon as my first paycheck so I’m used to not seeing the money and it doesn’t bother me. If I got married and had to add someone to my plan or got more settled, I might knock my plan down a peg.