Even working for the government doesn't guarantee low insurance premiums. A few years ago, the high option family for my insurance was almost 700 for the employee's share. Don't know how families afforded it. Had high option for myself for the longest and paid dearly. Knocked it down to standard and it's tolerable. Still have to get a separate dental/optical plan but even with that it's cheaper than the high option. You choices suck with some things (eye stuff especially) but I don't dare change. Been with them almost 25 years (my job and on dad's plan during college. Makes my head hurt to look at new plans and try to figure out what, if any, would be better.

Try to keep what you have.