<prompt> Human: Hi!Long time lurker and first time poster here. I have been with this small company for 3 years now. This is a small mom and pop company that deals with SaaS. We only have 5 people on our staff. The company is located in the SF Bay Area and I have to cross the bridge everyday to get to work. With the price of toll going up, it would add an additional 1k or so in my yearly expense. During our weekly check in, I mentioned to my boss CEO about the increase in expenses and she was very receptive. I did get an increase the first year at the company. Last year, the company instituted a 401k plan with a 3 gift irregardless of employee contributions. Since this is a small company, there were no medical benefits. After my request for a raise, my boss asked if I would rather have medical benefits or a wage increase.I am currently under my wifes plan and since I have a pre-existing condition, it makes me nervous knowing that if something ever happens to my wifes policy, then we would be stuck with no medical insurance. Currently I pay 5 for my medication every 3 months yay for discount cards.So my question is, should I ask for a increase in wage or suggest medical coverage? Thanks for the insight!  <response>: Medical benefits are almost always going to be a larger benefit than a CoL adjustment. I think you need to do the math about which has a higher financial benefit and choose that. It would not only increase your compensation, but likely reduce the cost of insurance through your wife.You should ask about a term Life insurance policy through the company too. They are a cheap benefit that most large companies offer and a mom and pop shop growing and competing should consider adding it to their benefit package. Since you have a health condition the no underwriting policy through work night be a big boon for you? 