Every week a Guardian Money reader submits a question, and it's up to you to help him or her out – a selection of the best answers will appear in Saturday's paper.
This week's question
I get free private healthcare with my job but it's a taxable benefit so in reality costs me around £500. Generally I feel the NHS is adequate. Should I opt out to save on tax, or am I naive to shun this benefit, especially if public spending cuts are on the way?
What are your thoughts?
