They are much lower, think in the 100 to 150 range. And that's without company discounts if you have a job. On top of that, there is a fixed limited amount you

They are much lower, think in the 100 to 150 range. And that's without company discounts if you have a job. On top of that, there is a fixed limited amount you have to pay yourself per year if you actually use it, and everything else is covered.