I'm looking for information on "Opt Out" benefits offered. We are a small company (< 20 employees) and we are considering offering a monetary pay out for those who opt out of our group Medical insurance plan. Anyone with an opt out plan willing to share their policy? We're looking for ideas on structure and amount (ie: opt out benefit paid monthly/semi-annually/annually, 25% (??%) of current Co contribution for employee insurance premiums, etc...).