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This just feels like a ‘well ackshually’ retort to health insurance being tied to employment. This is an extra added expense and often times the barebones insurance is garbage with high deductibles and out of pocket maximums.


How is it an “extra added expense”? Just because you do not pay for 50% of the premium out of your own pocket directly does not mean you are not paying implicitly. Your employer is obviously counting it in the total cost of employing you, and the figure is given to you in box 12 code DD on your W-2.

You can also buy a platinum level BCBS health plan yourself, without an employer, and get the same low deductible and low oop max.

https://www.healthcare.gov/choose-a-plan/plans-categories/

It is evident then that health insurance is NOT tied to employment. Buying it with pre tax dollars is tied to the type of employer you have.

NJ has a very nice pdf where you can basically see how much your insurance will cost based on your age and level do coverage you want:

https://www.state.nj.us/dobi/division_insurance/ihcseh/ihcra...




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