A lot of factors to consider here. I am "retired" from a State NP job, which I did for some 13 years. I also had a few years of state service in other positions. The family insurance at the end cost about 350 a month, and was paid pre-tax, so not bad at all. It was, of course, going up every year.
In my state, a 10 year (or more) employee can permanently keep the insurance coverage as long as they are on the plan at age 55. But to take the insurance, you also must retire, and accept whatever pension you have coming. The rules are a little complicated. Of course, there is nothing to stop you from retiring, and then going to work somewhere else, which I did.
The retirement benefits are getting less and less, that is the trend. Just for comparison, I get about 1000 dollars a month, plus my insurance. Nothing you could live on.
The amount of paid time off is decent, and the sick leave is very generous. Also, I recently learned that between the Union and state benefits, people are getting their DNP with very little cost to them. Great!
The work load for me was quite light, just like the stereotype. You could roll the proverbial ball down a hallway on Fridays and not hit anyone. Most of the work was done on Monday and Tuesday. I read books. I always got out at 4:30.
The politics at times could truly be vicious, and I regularly had to work with incompetent doctors. And cover their cases because they couldn't be bothered to come to work.
I worked with some excellent staff over the years, and a few idiots. Just like anywhere else.
On more than one occasion I was suddenly re-assigned due to the politics, and other people not getting along. Some of the not getting along is probably fueled by long hours sitting around and time to gossip.
Overall, I didn't mind the position. When I told people I was leaving at age 55, no one could understand it. A state job is considered the pinnacle of existence. But the salary maxed out at 90k and I had an opportunity to make 150-200k. I got that opportunity through the contacts I made at the government job.
One thing, despite the politics, government jobs offer a lot of security. They do very occasionally fire people, but not on a whim.
As I said, a lot to consider. In general, I think a government job that pays 20k less often compares quite well with a non-government job, when everything is factored in.