In the USA, most workers receive health care insurance through an employer plan. Premiums are paid by employers and employees. Copayments are sometimes due at appointments. Coverage begins after a deductible is reached. Workers may pay a portion of the cost in co-insurance. Coverage typically includes prescriptions.
Canadians have a universal health care system that is paid for through general taxation. None of the costs are directly borne by healthcare consumers or their employers. Insurance is provided to everyone regardless of employer or employment status. Coverage does not include prescriptions.
Many US employers offer extra benefits such as dental, vision, life insurance, etc. JobArc offers a similar plan within Canada and at similar cost. The JobArc plan includes prescription coverage. Reach out to us and we can explain further how we can help your organization.