You're bound to have a lot more in the package if you're part of a group that is insured than if you strike out on your own to get personal insurance, so the 25% you're being asked to pay now costs way less than a personal plan and probably gets you more from the plan.

The offerings of insurance with employment vary so greatly that it really doesn't offer you much help to describe the plan with my employer, except to remark that as a public employee it has been my experience that better insurance is usually tied to lower general pay in the marketplace.

SRS