I believe most large employers in the US do offer it, but much like the 401k it is opt-in, not opt-out, so I assume most people don't have it or if there employ

I believe most large employers in the US do offer it, but much like the 401k it is opt-in, not opt-out, so I assume most people don't have it or if there employer offers it as opt-out, they may not be aware of it. 60% of your income, even if it is tax-free may not be enough to cover everything, the best solution is to take the employer sponsored, which is dollars (i.e. <$10) a month and adding a small one on top.