Most tech companies offer great insurance on top of higher salaries, so this doesn't really effect highly paid employees. For example, my insurance premium is

Most tech companies offer great insurance on top of higher salaries, so this doesn't really effect highly paid employees. For example, my insurance premium is around $200/month for my family and I have a maximum out of pocket cost of $3k a year. So the system works well for me at least, but I know it is much much worse for others