"Fools rush in where angels fear to tread" You can't average averages in this way. You'll get easily manipulated data. He's using a single average data for a

"Fools rush in where angels fear to tread" You can't average averages in this way. You'll get easily manipulated data. He's using a single average data for a married, single income worker, and combining that with the average for health insurance. You can't do that. You need to calculate each individual person's income and share of healthcare costs, and only then average the results.