You are incorrect. The tech companiew here, even the small ones have best in class insurance coverage. Most companies cost anywhere from 1000 to 4000 per year for only the primary employee, many others add much more on for dependants.
Yeap, exactly. He doesnt understand that insurance is subsidized and that different companies pay different subsidies. It is not unusual for people at even big companies to be responsible for half their insurance costs i.e. 4k a month of typically around 8k unsubsidized.