Re: $185K vs. $71K
Where do you live that taxes the value of your health care benefit?
I'm not taxed on it where I live now, on the east coast, nor was I taxed on it when I lived on the west coast.
My employer pays about 66-75% of my health care benefit, and I pay the balance, which is withheld from my pay – that's not tax.
And I don't pay any tax to the feds or state for the part that my employer paid. (And don't give them any ideas.)