This depends heavily on the age and wage of the employee. For a typical 20-something developer making $100k, the monthly cost for a good HMO might be peanuts at

This depends heavily on the age and wage of the employee. For a typical 20-something developer making $100k, the monthly cost for a good HMO might be peanuts at ~$300/mo., a mere 4% overhead. But for the 60-year-old hourly line worker making $40k, whose wife and two kids are also covered by the plan (thanks union!), a good HMO might cost upwards of $2000/mo., an almost 50% overhead. [0] For a PPO, the numbers would be even higher. [0]: https://www.calchoice.com/FormPdfStreamer.aspx?FormId=6601&Ext=.pdf https://www.calchoice.com/FormPdfStreamer.aspx?FormId=6601&E...