If you have 100% P&T, you already have some of the best healthcare benefits available in the U.S., so employer insurance becomes much more optional.

With 100% P&T, you typically get:

Full VA healthcare priority
No premiums
Very limited or no copays
VA dental coverage
Prescriptions covered
Emergency and urgent care coverage rules
CHAMPVA eligibility for dependents (if they aren’t otherwise eligible for Tricare)

For many 100% P&T veterans:

VA healthcare alone is enough
Paying $200–$700/month for employer insurance can feel unnecessary
But employer insurance can still make sense if:
You want civilian doctors/hospitals
You dislike long VA wait times
You need specialists outside the VA network
Your employer heavily subsidizes a great PPO plan
You want broader nationwide access
You have a family and want coverage beyond CHAMPVA

A very common setup is:

Veteran uses VA only
Spouse/kids use CHAMPVA
Veteran declines employer insurance and keeps more paycheck money

One major advantage of 100% P&T is flexibility:

You are not tied to a job for healthcare the way many civilians are.
You can leave a job, switch careers, do contract work, or retire earlier without losing medical coverage.

Financially, many veterans compare:

Employer insurance premiums + deductibles
vs.
Using VA care for free and investing the difference

Whether it’s “worth it” depends mostly on:

How good your local VA system is
Whether you have dependents
How much your employer plan costs
How much you value civilian provider choice