In many cases the premium is paid for by your employer entirely, and the max out of pocket is lower, like $4k a year. But it depends on the employer and what plans afte offered.

Also about 20% of Americans are on medicaid, and generally do not pay any premiums, deductibles, or copays

I have 20 years in c++ dev experience at an f500, in silicon valley I probably would get double the pay and full health benefits, but I probably would be too old to work there. so it depends on what you mean by tech.