For example, do most employers offer a certain amount of money that would go towards a plan of your choosing, or only a single plan with limited benefits that you have to accept? l know this is a question with a lot of , but something in general would be helpful.
So if you do not like what your employer offers you... do you completely have to give that up and by a new plan that is more attractive to you privately?

There is no ''most employers''. Especially now.

My employees (it is mine too) health insurance increases 20% in cost EVERY year.

We charge 20% of the cost to the employees & then deduct the 20% from their pay weekly. Right now it just went from around $11 for a single person, to nearly $14.

l have worked at many companies & it varies. Some companies offered a flexible benefit plan, where the company gave me like $100 a month & then l had a choice between 3 or 4 plans & how much l wanted to pay out of pocket.

Other companies paid nothing & if l wanted insurance l had to pay for it all.

Other companies paid for it all (which is now almost nonexistent).

You wo not know what ur company offers until u r hired.

Employers pick the plan. Larger employers, will have several plans, and you can pick which one of them you want. Most of the time, they pay either a percentage of your cost, or a flat dollar towards your cost.

They deduct your share from your paycheck, add it to their share, and they pay the insurance company.

Every company l have ever worked for has given me a choice of insurance carriers to choose from..They pay a portion every paycheck and l pay a portion..the only time l did not have a choice of insurance providers was when l worked for Blue Cross and Blue Shield and that is understandable.

Hi there, l found a similar issue discussed here ahd my opinion is that you are free to choose the plan that would best suit your preferences as your employer has nothing to do with your own needs. Here is my source: http://myhealth-forum.com/