So I work part-time trying to put myself through school. I'm too old to be on my parents' insurance and my work offers a Aetna limited medical plan. However, it seems like it would be better financially to not enroll. The yearly outpatient coverage maximum is $1000. There's a $100 deductible so that's really a benefit of only $900. The yearly cost to me is $1006.08 Yes, there is some inpatient coverage but it's very small and unlikely I'll need it so my question focuses only on outpatient coverage. I know "in-network" providers have a contract and give the insurance company a discount which in turn means that theoretically less of my benefits are used up. I'm trying to figure out if the discount the insurance company receives is significant enough to make up for the high cost of the plan. In other words, assuming all the money goes to medical bills, is $900 of insurance coverage worth more than $1000 of cash?