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Evaluating Costs and Coverage
When comparing employer health insurance plans, it's essential to consider both the premium costs and the coverage offered. While a lower premium might be attractive, it's crucial to assess deductibles, co-pays, and out-of-pocket maximums to ensure the plan meets your healthcare needs without unexpected financial burdens. According to the Kaiser Family Foundation, the average annual premium for employer-sponsored family health coverage in 2022 was $22,221, with employees contributing an average of $5,9693.