The health insurance program for Federal employees has a number of different options, almost all of which include a mixture of copayments and benefit caps. The employee share, depending upon the particular plan chosen, is somewhere between 25 and 30 percent of total cost, which can be anywhere between $100 and $300 per month for a family. With some exception, ancillary benefits like vision and dental are either extra or not available. This is, by the way, the same program that members of the House and Senate are under.

Take it and run.