That is part of the problem with "group" plans it the state sets minimums that includes a large bundle of services and thus pushes up the cost.
I would be more inclined to go with a high deductible plan and a HSA. Maybe include one physical with blood work but that is about all most young people need. Let them save some money in the HSA and shop services.
You would be surprised at how much savings you can get by shopping doctors services and paying cash.