How much of your pay check would you take out for Health insurance?



this is my first job that offers health benefits. I am new to this and having problems deciding if i need to get it or not. My company is offering both HMO and PPO for about the same price. Both cost around 70 per check, but i only make around 850. That is almost 10%. Should i shop around or should i just go ahead and get it or not have insurance at all. I dont even like going to the doctors but i would like to have health insurance just in case. My deductible for ppo is 500. I dont even know what that means. any advice would be helpful. thank you


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