I'm trying to explain something to someone and need to find out if I am correct. Let's say you are employed by a small company based out of state. They offer you health coverage at very high rates because this state has a very high cost of living. Insurance rates where you live are usually much lower.... Can you ask your employer to give you health coverage with rates from the state you live in rather than the state they are based in? Let's say....instead of coverage with BCBS of **whatever state......BCBS of the state in which you live... ??? Make sense? I always thought you had to pay whatever the health coverage cost is from where the employer is based. Help?