Health Insurance: Employer covers $225/employee/month for Kaiser, but if I went independent it would be $225 less (same amount I'm contributing now). What the heck?

I've been covering my family of 3 through my employer's Kaiser plan (Oregon). It costs about $1,285/month, they pay $225 and I pay $1,060.

If I went directly to Kaiser for the same exact plan, it would cost $1,046/month... almost exactly $225 less than what my employer claims it costs.

Can someone explain this? Is it inflated because my company is purchasing through a broker?

Submitted August 21, 2018 at 10:13PM by Cam4mia https://ift.tt/2OTlNra