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As part of our employment, our employer has negotiated that we pay $400 a month for my family to have insurance under these terms.
If I had a different employer, those terms could be wildly different. I would have no choice.
It is EXTREMELY complicated, and extremely different for everyone in the country, and depends heavily on how your employer sets up the benefits. This is a major benefit for large corporations, and a major burden for smaller businesses.
If you buy insurance through the private market, it is usually far more expensive, but often subsidized by the government, since you often only buy from the market if you are unemployed or low income.
Don't forget self employed or at a workplace with workplace insurance so bad it's actually cheaper to go through private (so basically low income)
I know multiple small business owners who also have a regular corporate job JUST so they have insurance. The whole second job has nothing to do with salary, only health insurance.
Every family farm I know, the husband works the farm while the wife works a normal job for insurance and stable base income to help keep everything afloat