> That's not true, is it? You could decline coverage and then go purchase a policy of your own elsewhere. What other choices exist, there's only a few giant in

> That's not true, is it? You could decline coverage and then go purchase a policy of your own elsewhere. What other choices exist, there's only a few giant insurers anyway. > Even better, you could purchase a policy through the Obamacare exchanges. I have no direct experience, would love to be wrong, but what I've heard is that even the top-tier plans are extremely limited in what they cover and where they are accepted so it's even worse than company-provided plans.