My boss gave me a packet for benefits and said she needs it back by the 26th. I'm not sure if I should sign up for it because I am under my parents insurance until I am 26. I am 24 tomorrow so I have two years left before I need it.

If I signed up for benefits, it would mean $65 out of my paycheck every month, and I am trying to save up for a car and that's a heck of a lot of money to take out if I don't need it yet.

Should I sign up for benefits?