Bridget, if you get insurance separately, will 45,000 be enough of a raise? It's my understanding that getting insurance individually is a bit pricey, and it may eat up a big chunk of the 12,000 difference. If you decide to go that route, you may want to ask for more moolah.
There is also the issue of pre-existing conditions when you change companies (usually).
Just some things that you may want to consider as well.
Good luck!!
