Q. How much do people have to pay? A. If you’re employed, your employer pays 60 percent of your premium. The employee pays 30 percent, and the government sub

Q. How much do people have to pay? A. If you’re employed, your employer pays 60 percent of your premium. The employee pays 30 percent, and the government subsidizes 10 percent. The government fully subsidizes the premiums for the poor and gives partial subsidies to veterans, the self-employed and farmers. Q. How much is the typical premium? A. The total insurance premium for employed workers is 4.6 percent of wages. That’s much lower than in the United States, where the average is between 12 and 20 percent of wages for those who are covered by their employers.