The part of compensation includes healthcare, because we have no choice, it's a lock in - there's no marketplace to choose your healthcare, unless you go ACA wh

The part of compensation includes healthcare, because we have no choice, it's a lock in - there's no marketplace to choose your healthcare, unless you go ACA which is a bad idea in many states - and as a lock-in the out of pocket costs have skyrocketed. To borrow your wording, google 'out of pocket healthcare costs annual trends.' So that compensation covers less.