> In the US, healthcare is provided as an additional benefit on top of your gross salary. I think it is actually rare for health care to be completely paid for

> In the US, healthcare is provided as an additional benefit on top of your gross salary. I think it is actually rare for health care to be completely paid for out of pocket by the employer. Comparing with several peers in and out of tech (including one at FAANG), most companies only cover a portion of the health insurance premium cost per month. Retirement benefits also normally require you to contribute money from your paycheck. (For example, a company might contribute $0.5 per $1 you also contribute, up to a percentage of your salary) Plus, there are usually still loads of out-of-pocket expenses even with insurance. Point being: I think the math is more complex on this one.