This is where it is difficult to judge from where I see it. The last company I worked for had great insurance, really great insurance and this CostPlus in most areas can't beat what I would pay through insurance. However, I am in a new job where the insurance isn't as great, so maybe CostPlus may come out to be cheaper? I havn't delved too much into my current insurance to know yet, but it definitely isn't as good as the insurance I got through my last employer.