My employer up here has a good system. Everyone has one base amount per month they'll contribute to your health care. Then based upon which plan you choose (and there are five or six to choose from) they either deduct or credit the difference. If you choose not to use the insurance, you can have the full amount, if you choose a more expensive plan (because you have many dependents or what not) then you might have some extra you chip in. I get around $35 added to my paycheck because I'm single and I chose a plan less than the amount the employer contributes so that is one of your insurances. I am pleased with my insurance. I also like that it covers 100% of all preventive care. So no copay for annual visits, vaccines, etc. It's a good thing for them to do to encourage people to get preventive care to avoid costly bills later on.