Wow, that is INCREDIBLE insurance you are getting from your employer! I fully understand your point about the private insurance though--if you were to lose that job for any reason, it might be hard to qualify again for any insurance due to the pre-existing condition. While it is hard to justify the extra expense for that "extra" insurance in most situations, the insurance you are getting from your new employer is so darn cheap that I must might keep it if I were you. Heck, the cost of both your insurance packages combined is still cheaper than my employer-offered insurance, and I've always considered our insurance to be very good. You are definitely very lucky to have this conundrum!
Brad
