I am not sure I understand the dilemma with regards to changing the insurance plan. It looks like T#3 is on your new plan for the next year, so you will have the whole year ahead of you to switch in case if things don't work out with T#1. T#1 is on your current plan. Is he or she going to be on the new plan? If yes, then there is no problem here, and if no, it sounds like you like T#1 anyway, and if it was not for the T#3 option, you'd stay with them. Anyway, however your insurances work and whatever is or isn't justifiable financially is just one factor. The other one is your well-being. You decide what is more important to you. I personally don't see the need to disturb the process that has already started working. If you feel good about T#1, why not commit to this process for as long as it works?