4%? Wow. My employee health insurance is $10k for 1 insured, $20k for family, per year. I would love that to be close to 4%. Also, employers often pay office r

4%? Wow. My employee health insurance is $10k for 1 insured, $20k for family, per year. I would love that to be close to 4%. Also, employers often pay office rent for employees. And freelancers spend unpaid time doing marketing/sales to get gigs.