Anecdata: most of my employers have offered good (but not the best) insurance. If you didn't use it, the employer and employee contributions together were probably something like $10k-$15k. If you did use it, the employee contribution would be capped at something like $20k-$30k, but the employer contribution would be uncapped. Somewhat famously, the CEO of AOL (?) talked about spending $1,000,000+ on an employee's neonatal care.