I forgot to mention that of course if your employer will pay all or most of the premiums for your plan then it almost always makes sense to take the free money!
(Sometimes it can make sense to shop for an individual plan for your spouse/kids if the employer will not pay for their portion of the monthly premium and they are fairly healthy - you can usually find an individual plan from the same company that offers your group coverage as well that way the whole family is on the same network with the same insurance company, etc. Hint: Use the price transparency of the Internet to shop rates at
Health Insurance Quote 360,
ehealthinsurance.com or some other comparison site).