There are some 300,000 public school teachers in California. With a pool that big, costs come way, way down per unit. Different districts buy in at different levels. My district opted for the family plan, with the highest coverage. We had to forego a raise in favor of full insurance coverage, and costs are also controlled by having a single plan for all employees. With a single cost, single people and those with large families pay the same, so singles are overpaying, while families are underpaying. Even when I was single, this didn't bother me in the least. It also gets married couples, for whom the district pays twice for the same coverage.
My wife works as a nurse/paramedic for an ambulance company, which, as you would expect, also tends to offer excellent benefits. There are different coverages depending upon your grade; an EMT tech trainee gets nothing paid by the employer, but can buy in out of pocket, while those at the highest grade, like Grace, get full coverage paid by the employer. Even given that, her insurance costs more, has a higher deductible, and offers less coverage than mine, which is why we use my insurance.
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