Yes and no. I'm not getting that money either way, whether my employer decides to spend it on my health insurance or not. Regardless, the OP was discussing per

Yes and no. I'm not getting that money either way, whether my employer decides to spend it on my health insurance or not. Regardless, the OP was discussing percent excluding the portion the employer covers. I'm not particularly interested in any particular discussion of why and how the American health insurance industry is a clusterfuck. We all already know that and the points would take all day to enumerate anyway.