<prompt> Human: Hey everyone! I just started my first job out of college this week woo! and Im setting up my HR health benefits now. Im 22 years old and Im still on my moms health plan, she says its pretty good. Since I just graduated and money is short, Im trying to cut out unnecessary expenditures. Should I hold off on signing up for health insurance now PPO or CDHP and stay on my moms plan, or should I sign up for it? Im a youngin and dont quite fully understand employer provided health insurance, so any advice is helpful!  <response>: If your mom is gonna let you stay on hers for free then I would stay on hers assuming its actually good 