They may pay half, or most, or all, or none. OP didn't say explicitly?
But... you may not be able to get your own with any tax benefits if your company offers something and you choose not to take it. That's my understanding anyway. And... health insurance is just totally hosed in the US, with regulations like that on the books.
Take employers out of the equation. Let everyone buy their own, and/or, institute some basic govt policy, and let people buy private on top.
If you're buying for a family, it can be prohibitively expensive. Even a few years back (2016/207), high deductible plans for some of my colleagues were north of $1500/month with $10k deductibles for 2 people in their 50s with an early 20s kid.
For a family yes it gets crazy. But as a self employed mid-thirties person it wasn't too terrible. $300/mo, $1,500 deductible, etc.. Yes expensive, but doable for someone determined enough.
I'm not in my mid thirties any more. Just no longer buy my own insurance and instead am on my wife's employers. I can report though in early 40s rates haven't changed a lot yet. Maybe in my 50s.
But... you may not be able to get your own with any tax benefits if your company offers something and you choose not to take it. That's my understanding anyway. And... health insurance is just totally hosed in the US, with regulations like that on the books.
Take employers out of the equation. Let everyone buy their own, and/or, institute some basic govt policy, and let people buy private on top.
If you're buying for a family, it can be prohibitively expensive. Even a few years back (2016/207), high deductible plans for some of my colleagues were north of $1500/month with $10k deductibles for 2 people in their 50s with an early 20s kid.