It depends on the company and the stories of people paying all themselves doesn't make a lot of sense. I guess if you're between jobs or just started at a new job there might be a few months where you're not covered, but you can get temporary insurance if you want. Full time employees are required to be offered health insurance, if you're out of work you'll get it through the state and pay nothing. If you make too little you can also be covered by the state for free. My family gets our insurance through my wife's work and she only pays $20/paycheck (paid weekly) for it and the deductible is $1200/year for the family and no copays. It's considered very good insurance, when she started at that job 10 years ago she didn't pay anything out of pocket. I'd imagine the health insurance at tech companies is pretty fantastic, it's small businesses where the health insurance isn't as good.