All depends on how much it costs. If it’s an amount of money that means nothing to you sure, if it has meaning then you need to consider your health and lifestyle and how likely are you to need it. At my company long term is like $5 a month, the whole year’s worth wouldn’t even buy me a good bottle of scotch, so it’s meaningless money, so I do it.
Great that your company is offering that to their employees. Don’t you wonder how long that will last;)?
My insurance comes from a small company that just is keeping employees at under the gov’t limit.
Can you even believe that we are talking about keeping Gov’t limits! Scary....