Money in One Chart

money at work

Being offered a health plan is not the same as being able to afford one.

72% of private workers had access to a medical plan in March 2025. Only 45% were enrolled. The gap is mostly the monthly premium share, and it is a number you can ask about before you accept an offer.

You asked for the recruiter question card. It is below, as the slides from the post, then the one move, then the tool the chart points at.

Slide 1 of 7: Being offered a health plan is not the same as being able to afford one.Slide 2 of 7: Most private workers are offered a medical plan. Far fewer are enrolled in one.Slide 3 of 7: Access means the plan exists. Participation means someone could afford it, or had no other coverage.Slide 4 of 7: A $3,000 higher salary can be erased by a health plan that costs $250 more a month.Slide 5 of 7: One sentence to the recruiter.Slide 6 of 7: Three numbers to write down for any offer.Slide 7 of 7: Save this for the day the offer arrives.

Three numbers to write down for any offer.

  1. 01
    Your monthly premium share, individual and family.In dollars.
  2. 02
    The deductible and out-of-pocket maximum.What a bad year would cost.
  3. 03
    Whether the employer contributes to an HSA.That is compensation too.

The tool this chart points at

A budgeting app

Every bill and every recurring charge on one screen, so nothing is missed in a bad month.

Open it

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Sources: BLS Employee Benefits in the United States, March 2025.

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