For insurance, I have found it's difficult to beat the negotiating power of the multiple large Federal Government offerings - and you can shop before you decide

For insurance, I have found it's difficult to beat the negotiating power of the multiple large Federal Government offerings - and you can shop before you decide to join: https://www.opm.gov/healthcare-insurance/healthcare/plan-information/plans/ https://www.opm.gov/healthcare-insurance/healthcare/plan-inf...