I would call BC/BS and get a rate quote buying insurance on your own. Health insurance may cost you $500 a month if it's just you, or more if you are buying for your family. Figure it out with paper and pencil if the money is "good" with that out of pocket cost. My husband is on a plan that has a $10,000 deductable - we pay for doctor visits and meds out of pocket, but if he landed in the hospital, we pay $10,000 and everything after that is covered 100%. It's unfortunate about the vacation time. It seems every company is taking away benefits we have come to expect. This might be your dream job, and someone else's nightmare. Any pension/401K?