<prompt> Human: Mine is about 700 a month and about 25 of my check. I know in spend more on insurance than any payouts I get from it. It for family plan.Assistant: Everyone is doing a good job in explaining why your reasoning isnt quite sound, but YES you are paying too much for health insurance. Is it for just you? Is it through your job? Im not sure the best course of action for getting a smaller insurance premium, but yes you are paying too much. Its highway robbery.The way you phrased your question makes me think youre paying for individual health insurance. Youre paying as much as the average family. Yes, its too much. Its probably not the best idea to not have health insurance, so you should work to find a way to pay less. Search the archives here, or maybe rephrase your question to how can I find cheaper insurance.Human: Its through my employer. And its for family. Me, wife and kid. I got another job offer but the insurance is even more with less coverage.Assistant: If your insurance is 25 of your check, that means youre taking home about 2,800 per month. With a wife and a child, you should absolutely qualify for insurance subsidies if you go on your states exchange. If you have a kid, it would be insanely irresponsible to give up insurance all together. Kids have funny ways of unexpectedly needing stitches, getting high fevers at 2 a.m. requiring an ER visit, breaking an arm at the playground etc. Human: You dont qualify for health care subsidies if your employer offers insurance.  <response>: Thats true, but have you looked at the cost of just buying the plan outright, without the subsidies?It might be cheaper, who knows.Consider this also...AFFORDABLE PLANS AND THE 9.66 STANDARDA job-based health plan is considered affordable if your share of the monthly premiums for the lowest-cost self-only coverage that meets the minimum value standard is less than 9.66 of your household income.In other words, if your share of premiums for the lowest-cost plan that would covers only you the employee not other members of your family is less than 9.66 of your total household income, the plan is considered affordable.You may pay more than 9.66 of your household income on monthly premiums if youre enrolled in your employers spouse or family coverage. But affordability is determined only by the amount youd pay for self-only coverage.Have you done the calculations on what you would pay for a single plan? You might still qualify 