<prompt> Human: I have the family insurance plan and dental through my company and pay 971 a month 1,457 for a 3 pay period month for both combined. Is it possible to opt out and get 3rd party insurance? I live in PA and my insurance is out of Illinois.My wife and i are mid 20s. My kids are 4 and 4 months old. We live in montgomery county pa. My companys corporate branch pays about 100 less in Illinois than what we pay in PA is there a reason for that?  <response>: Based on some of the comments made below, you have a cheaper option with your wifes plan. Use that. Save your money in an HSA for the difference in premium. A more expensive plan foes not in any way mean better quality of care for your family at the doctors office. The insurance companies are getting and keeping all your money... youd do better personally if you keep more of your money to yourself. Speak with an HR rep about each of your plans as enrollment is likely coming up soon and you can switch. 