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Health insurance advice

So, I am crowd sourcing whether my husbands health insurance plan is a decent deal. It is 400 a month with pretax dollars for a family for a 3000 dollar deductible plan. His company gives 1200 a year into his HSA if he does a wellness program. Preventative care is free. We have decent health knock on wood. The HR woman seems to think the open market would be cheaper. I am going to call around for quotes. We cannot enroll in healthcare.gov because we are eligible fore military cobra.

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