Unless you can find comparable (or better) insurance on your own, participate in this plan. Also consider these thoughts.

1) Remaining with this plan automatically keeps your insurance in force. If you go to another plan, you may get limited coverage or prohibitively costly coverage if anyone in your family has health problems, or no coverage at all.

2) If you change plans you may have to change long time associations with physicans.

3) If all are in good health, you might get lower cost catastrophic care coverage, and assume the cost of routine services on your own.

The above are suggestions from the Joy of my live who was, indeed, an insurance benefits counselor with a major employer for 10 years.