My company has a program where I can get my health insurance through them.   I can choose one of several plans with differing deductibles or if I have california state health insurance coverage from another member of my family I can choose not to participate in the program.  For the first several years that I worked there I chose not to take the health benefits and chose the money instead because my wife had complete coverage on both of us.   Now that I am getting close to retirement it is to our benefit to re enroll during open season.   The reason is that I will be able to take my companies insurance into retirement and I can not take hers.