[Jamie79SC]

As an employee, I would expect exactly the insurance agreed to when I negotiate the position. Health insurance is just another form of compensation. That said, obviously Super is right - an 'employer's dollar' goes a lot further than an individual's when buying insurance.

I don't know if there's such a thing in Michigan, but here in Washington State, we have an association called Washington Employers. As WE members our company is able to take advantage of a number of HR resources including relatively inexpensive group health coverage.

Your plan sounds OK – how much does it cost for employees to add dependants?