At work you have a rate established by the average employee demographic.
Part of that demographic is age. If dh is above the average age, the "thru employer" might be a bargain. If you are both younger, getting private policies will be a much better deal.
There is a bulk discount with the employer plan, so shop and compare. I bet your employer picks up a fraction of the costs too.
I only use what my employer gives me for free (2X salary). I can buy more (for example I buy more short term disability, long term disability and one other thing- IIRC)
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- General questions get general responses. Specific questions get better responses. Want a better answer? Re-read my signature LOL
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