Health insurance can be obtained either through the employer at group rates or bought on the individual market. Costs vary dramatically: workers who purchases insurance through their employer pay less because they are paying group rates and they purchase their insurance with pre-tax dollars. Workers who have to purchase insurance individually enjoy neither of these benefits. The calculations will reflect these differences in cost. Choose the option that reflects your situation.
You may also choose a weighted average of the two: this provides an average of the two options weighted by the percent of the working population in Minnesota that falls into each category.