Honestly, I think it should be looked at as a total package. Get rid of healthcare altogether if they want, but up the pay to the point where I can buy it on my own. That's how I looked at it when my current gig was going through negotiations. Sure, raise my premiums and co-pay, but my hourly better be going up enough where my monthly take home isn't going backwards. I look at pay and benefits as a total package rather than separate entities. Give up something on one, increase in the other column, otherwise it's an overall loss.