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How much are your monthly premiums?
Just because you aren't paying when you go to the doctor doesn't mean you aren't paying every month for it.
That is a good point. We are not paying monthly premiums. Again, over the years we have chosen our employers very carefully. To be clear, we are lucky to have been in the place to do so.
That said, we also did very well when I was a public high school teacher. The pay was awful, but the health insurance we had was better than my wife could get at most corporate jobs at the time. We now use my wife's corporate benefits because my family's needs have placed me as a stay-at-home dad for several years. Once she got in with a company that actually values its employees, we made the decision to stick it out.