I'm concerned about your reply regarding health care. As I understand it in my researching this subject, health insurance premiums paid by an employer are not taxable as income. Please refer to these articles.
https://www.irs.gov/businesses/small-businesses-self-employed/employee-benefits
https://www.taxpolicycenter.org/briefing-book/how-does-tax-exclusion-employer-sponsored-health-insur...
