[sxywu]

Thanks darklajid! The health care costs is total insurance premiums and total out-of-pocket costs[1]. For a BART worker, it may only be upwards of $92, as they have a fixed health care contribution. For that reason, I have made the costs customizable, so you can edit and input any number you feel reasonable (I didn't want to make any personal assumptions with the numbers).

[1]http://www.epi.org/publication/wp297-2013-family-budget-calc...