"AMERICANS HAVE CHOICES... AND SO MAYBE RATHER THAN GETTING THAT NEW IPHONE THAT THEY JUST LOVE, MAYBE THEY SHOULD INVEST IT IN THEIR OWN HEALTHCARE”; EMPLOYER-PROVIDED HEALTH INSURANCE COSTS 25 IPHONES FOR THE AVERAGE FAMILY. THE EMPLOYER HOWEVER PAYS MOST OF THAT SO THE FAMILY IS ONLY ON THE HOOK FOR ABOUT 7 IPHONES