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You have an INCREDIBLE deal right now, so you'll have to evaluate taking the job in that context. In the meantime, "high deductable" or major medical plans aren't always all that bad. We switched to a "major medical" plan when having a $200 deductable saved us $1200 a year in insurance. (Kind of a no-brainer in our case, but the plans vary a ton, so read all of the fine print.) Oh, our major medical plan also covers all of the preventative stuff at 100% (annual exams, pre-natal, well child, etc.).