I can safely estimate that 90+% of my coworkers stay there because of the insurance. It's now my primary insurance over medicare and my wife's family plan.
A younger coworker and his wife had a baby last summer, their out of pocket cost was $0.
I would not take SS until at least 66 you lose $300.00 a month if you take it at 62 if you are 65 you can get Medicare ONLY and wait on your SS