Health insurance is not pro. At a big four I am paying ~$50/month for great health insurance, freelancing it was 650 from Covered California and involved repeated heated calls to every party involved.
Most employers aren't passing through the whole premium. With my current company, we're covering 85% of the premium for our employees, so they see some token amount out of their paychecks, but the actual premium is a lot bigger than $50/month.
It's hard to beat HC insurance from a big employer. When you have to buy your own, it can work out as you usually can get a higher hourly rate than an employee by 25-30%. You also avoid double deductibles when your employer changes the plan changes mid-year. You also avoid COBRA if you quit or are fired.