If they are working in tech, their employer either pays for it fully or subsidizes it to the point where the person just pay something nominal like $50-100/mo, and it is not counted as their salary. So people usually don’t include that when saying how much they make, because they typically dont even actually know or care how much their employer pays for it (at my place of work you actually have to go pretty deep into the HR portal to look it up).

Not at high-paying tech companies, those usually cover most or all of insurance.

Not even close. I pay a $250 premium for my family of 6, my employer pays the rest. My health coverage is worth $24,000 per year if I paid out of pocket — with the SV salary differential between Canada and Silicon Valley, I am still coming out much further ahead even if I had to pay 100% of my own insurance.

Most FANG tech workers pay $0/month for healthcare.

Not in tech jobs. I pay $60 per month for myself. Company covers the other $8,000.