Starting with this fishbowl to ask for some advice.

I work for a startup that just now has enough full-timers to qualify for a health insurance policy. Up until now I've had my own insurance that I pay for and I'm reimbursed -- it's not cheap but I have total control over my insurance, and I'm happy with my current medical providers.

Setting aside the changes that would occur with a new company policy -- I'm in MA and nearly everyone else is in CA -- (continued below)

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I'm actively interviewing with the intention of leaving when I find the right new venture.

I have the option of opting out of the new company policy now, but doing so might prevent them from actually getting it. It is NOT in my best interest to join, but my departure would also eventually mean insufficient people for insurance coverage. Naturally I don't want to deprive my colleagues of insurance! But since my potential departure could happen at any time, that's inevitably what will happen.

This is a rock and a hard place situation and I'm losing sleep. Any advice would be appreciated.

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