>But not 100% paid for right? And it might cost $1000-2000 depending on your family size. Its the same plan, often worse. Anyway, you can even calculate the v

>But not 100% paid for right? And it might cost $1000-2000 depending on your family size. Its the same plan, often worse. Anyway, you can even calculate the value of that plan, say the cheapest healthcare.gov plan costs $1000/mo, you get it free through work, that is $12000 per year of compensation. Pretty substantial, although I've never seen someone get a free plan at work, though a union firefighter pays $20/mo and is harshly underpaid. For the max out of pocket, you can multiply that by the chance of hitting it per year. But what really matters is the delta cost. Healthcare.gov is quite comparable to w2 jobs. Its often significantly better since you can shop around instead of the corrupt plans the company was sold by some insurance dealer.