[bb88]

I would assume that an actuary might put the cost of an unemployed person twice that than an employed person. Because technically people with chronic health problems would tend to be unemployed.

[rootusrootus]

I would also suspect a significant part of the difference is that the company is likely subsidizing the premium cost.

[paxys]

Companies also get good rates because they can negotiate based on volume.

[denimnerd]

my company is big enough they self insure. aetna, etc exists to administrate the program