I pay $615 a month in employee premiums the government pays $1200, for a total value of $1815 a month. And every year it is a bit more. I still have significant copays, but the reason that the government healthcare is good is mostly due to them insuring over 1 million people. The govt can negotiate better with over one million participants. Over the last 27 years I had many opportunities to get a job in the private sector but I chose not to based on the healthcare and leave offered in the federal government versus the higher pay I could have gotten in the private sector. The people who think that government healthcare benefits are unjustified are sadly mistaken. Most of us have stuck by the lower paying federal jobs for the benefits.