You make it sound as if your healthcare cost is limited to 2% of your total comp. My credit cards/atm records show that I spent nothing on healthcare in 2020, a

You make it sound as if your healthcare cost is limited to 2% of your total comp. My credit cards/atm records show that I spent nothing on healthcare in 2020, as I am "young and healthy" and skipped my annual checkup because Covid. But my W2 box 12 dd entry says that $19246 was paid on my behalf. Also when I go to coveredca.org I find that the maximum cost for healthcare this year if I were unemployed and 64 years old would be 76k. Sadly, each of these figures is substantially more than 2% of my total comp. Sure, my wages as a Bay Area FANG engineer are high compared to European counterparts at less prestigious employers, but the elevated costs of healthcare are still material to me and in fact it is by far the largest expense in my retirement budget (savings for retirement being by far the largest sink for my present income).