Generally your employer provides you a fixed set of say 1 - 3 options, each better but more expensive than the prior. Our insurance policies generally also incl

Generally your employer provides you a fixed set of say 1 - 3 options, each better but more expensive than the prior. Our insurance policies generally also include a deductible, an amount you have to pay out of pocket before coverage kicks in. For example $3,000 per year. The higher the monthly premium, the lower the deductible. The employer pays ~50% - 70% of the premium and the employee pays the rest with pre tax money. The cost increases as you add children and spouse to your policy. Spouse is generally a higher premium bump than kids.