Hygiene factors vs motivation factors. Some stuff will make you happy, some stuff will make you unhappy. They are not on the same scale. Pay is mostly hygiene - not enough, absolute, or more importantly relative will make you unhappy. It won't make you super happy to increase it over enough though. (Yeah yeah, it totally will for YOU, but in reality... Not really. Increases and relativity matter a lot more than what you really are paid, even me and I'm really cynical about it).

Healthcare, same deal - needs enough to not make you unhappy.

What you work on - can actually make you happier.