<prompt> Human: Ive been covering my family of 3 through my employers Kaiser plan Oregon. It costs about 1,285month, they pay 225 and I pay 1,060. If I went directly to Kaiser for the same exact plan, it would cost 1,046month... almost exactly 225 less than what my employer claims it costs. Can someone explain this? Is it inflated because my company is purchasing through a broker?  <response>: Maybe your employer has a pool of high risk employees that historically use more medical services than the general population and theyve priced that in? Or maybe the deductible or out of pocket max or drug or some other benefit is somehow different? 