Employer healthcare is a healthcare option offered to an employee (and family), by an employer. This is often the best option for healthcare coverage of an employed person, as the employer covers a portion of the premium. Health insurance plans that are covered by an employer should be analyzed before adding a spouse or dependent, as employers do not always cover the same amount of the premium as they do for the employee. This can result in the cost of healthcare premiums being higher for family members than they would be on an alternate plan.

If a Cobra package is offered, the employed and their family members can pay a HUGE increase from the cost of the original health insurance premium.