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The annual base salaries Americans quote are AFTER medical insurance premiums. They are not deducted from your quoted base pay.

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Minor addendum: Unless you decide on a plan whose cost is greater than the base plan provided by the employer, in which case the difference is deducted from your salary.

This is completely untrue.

I'm an American citizen and not a single one of the 6+ W2 jobs I've held have quoted the base salary with insurance premiums deducted.

The quoted base salary does not include the employer paid portion of health insurance. For the 57% of people who receive health insurance coverage through their employer, that amounts on average to 82% of total premiums.

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