<prompt> Human: Im a full time web developer at a online advertising agency in Texas. My work apparently doesnt provide health insurance benefits because the CEO says it is too expensive. My health insurance is like 200 per month just for myself and I make less than 30k per year. My friends ask me how they get away with not providing anything and I dont have any explanation but I dont want to directly ask my boss if it is legal. Can anyone give me advice or help explain?  <response>: It doesnt seem like the community is really giving you one big cohesive piece of advice, so heres my attempt.1 Insurance: In Texas employers do not need to offer health insurance unless the company has over 50 employees. As well the company only needs to subsidize 50 of that cost. Most likely cost for someone your age is around 200-300 per month to the company for a basic plan. If your boss is right and he cant afford health insurance for yall, then extrapolate that - he also probably cant afford things like raises, lateral job movements, etc. His company isnt big enough and doesnt make enough money. You should be looking for a new company with more room for growth.2 Salary: Your job title is web developer, at 30k you are either NOT a web developer, or you are being drastically underpaid. Write your job description and we can help tell you which one you are. Also write what city youre in, this helps us figure out cost of living. 