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These types of jobs come with the best health insurance.

I'd be surprised if most people at microsoft paid more than $100 a year in health expenses.

Microsoft, just like everyone else, has a High Deductible plan. As American healthcare plans go, it's fine, but if you need to go to the doctor at all expect the first few thousand to come directly out of your pocket/Health Savings Account.

Conversely, they contribute a certain amount to HSA every year. So, depending on how much one needs, it's quite possible for none of it to have come out of your pocket.

Google and Microsoft both give you $1000 in your HSA to offset that. If you don't use it, you get to keep it. Deducitbles are $1400 now, so still you pay max $400 + 10% of how much you go over till $2800. So around $540. Which isn't bad at all.

Conversely the employer and employee national insurance contributions for my salary are over £22,000.

What is that the converse of? Parent post was talking about deductibles, not premiums.

Premiums are about $12K for singles and $25K for families.

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