When our company started having its employees pay nearly all of the Blue Cross/Blue Shield premiums, my wife and I just could not justify the cost. The way our plan was set up, we had practically no options to reduce the premium and stick with the company's plan.
Myself and another employee persued other health insurance companies and both of us ended up using Fortis, a large private insurer. We actually got the information though the agent that was selling BCBS to our company! Combined with a specialized supplemental Aflac plan or two, the coverage was very comprehensive and reasonable.
THE SAVINGS WERE TREMENDOUS!! Still pricey, but nowhere near BCBS, and what concessions there were my wife and I were very satisfied. Both my wife and I have since changed employers and our coverage is now through my wife's employer.
Just like everyone else, there are many plans to choose from, participating doctors, etc. Plan on spending some time reviewing and asking lots of questions.
Godd luck,
Steve