Generally different jurisdictions have different rules, but in California it is the case. And to another point made here, if you're employer is going to deduct

Generally different jurisdictions have different rules, but in California it is the case. And to another point made here, if you're employer is going to deduct some of your paycheck to pay premiums month to month then it can be a net loss if you won't use it enough to offset what you would have been paid.