I have a Question about Moving from a Major Insurance to a Limited Insurance

So, I am switching to a new job in Florida that only offers Limited Health Insurance. I will be leaving Blue Cross Blue Shield, which is a major insurance company for a Limited Insurance company (Hooray Health). I’m not sure but I’m hoping that Hooray Health, which uses the First Health network is fine compared to Blue Cross Blue Shield.

I’m dealt with choosing between a Limited Insurance coverage of 30K, 60K, or 90K a year for my family of 5. We have been relatively healthy all year, but we get insurance for those times we might need it, right? 🙂

I really have no choice, but do you guys think I should really go for the 90K Max coverage for peace of mind? I also just found out from their HR that Payroll doesn’t deduct the health premiums from our pay but that I have to pay it every month with a credit card. I’ve never heard of something done like that before! I’m thinking of getting a high-reward card that I can use to at least take advantage of my monthly health insurance payments.

I hope this post is clear enough for you guys to give me some sort of advice or suggestions.

Thanks!