60% of your last years W2 on a monthly basis. $5000 is free with the ability to buy up to $15,000/mo. Again it’s still based off your last years W2. The premiums are not that much considering the risk. The premiums will adjust each year after your W2 comes in.

You get medical insurance at your current rate for only five years which sucks

No retirement contribution so you are kind of screwed there if you’re young

Benefit is offset for any on the books income you make so zero incentive to work outside of using your medical.

The last three items are deal breakers for me in the next contract if not fixed.