800$ is the nominal price. Real price is the fact that it is not tied to your employer, particularly your employers’ negotiation power with the insurance compan

800$ is the nominal price. Real price is the fact that it is not tied to your employer, particularly your employers’ negotiation power with the insurance company. Which in turn increases your negotiation power as an employee. Not only for pay, but also other non-priced issues like quality coworkers, meaningful job etc.