Is my employer health insurance too expensive/bad?

20s M, healthy, started new job. My new employer has cafeteria options, but they all seem really expensive to me. I've seen other options for HDHP and they can be half if not less the cost. I'm not sure if I am missing something here as to why these plans seem much more expensive. My previous employer only had 2 plans and paid premiums either way, so I never gave it much thought. Would it be worthwhile to look for outside coverage? For context as well, I am getting married in a year and the premiums more than double for each of these to add a spouse on to the plan, so ongoing costs are a concern. More long term planning for pregnancy and none of these really seem to have excellent coverage for delivery. Lowest minimum cost is around 3k out of pocket.

Medical Coverage Options – Per Month Premium

UnitedHealthcare Choice Plus 1000 – $581.45

UnitedHealthcare Choice Plus 1500 – $532.69

UnitedHealthcare Choice Plus HDHP 320 – $470.89

UnitedHealthcare Choice Plus HDHP 1600 – $560.16

UnitedHealthcare Choice Plus 500 (80) -$591.06

UnitedHealthcare Choice Plus 2500 -$496.98

UnitedHealthcare Choice Plus HDHP 5000 – $419.39

UnitedHealthcare Choice Plus 6000 – $461.96

UnitedHealthcare Primary Advantage 2000 – $468.83

UnitedHealthcare Primary Advantage 5000 – $423.51

submitted by /u/Legitimate_Milk_481
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