AKA: it's open enrollment time and I'm dithering...
Luckily my rates for healthcare, vision, and dental are not going up, and the cost of coverage for dental is even going down slightly. Vision coverage I need and use regularly, but I recently came to the (face punch-worthy) realization that I've now had dental coverage for multiple years, costing me hundreds per year, and haven't even bothered to get a checkup... I also realized that my dental plan doesn't seem to cover major stuff, really only the basics, so if something were really wrong I would still need to pay out of pocket (for which I do have an FSA available). I'm lucky that I have decent teeth and take pretty good care of them, so no imminent worries, therefore I've been considering opting out of dental and saving the $350+ per year difference.
And yet... what if something happens...?! I worried about my health for years when I had no healthcare coverage at all (pre-ACA but only a few years ago) so turning it down is making me anxious.
I don't really know what I'm asking, just feeling like I can't get any clarity on this! Cue gnashing of teeth (!)