Healthcare is employer sponsored, but I upgraded to better coverage b/c we have the kiddos, so I pay about $400/month for that additional coverage.
I worked from July 1 onwards, but it's a messy year because the company covered all my relocation expenses, which is a taxable benefit, and wasn't cheap. Then, I got a nice raise + bonus in October when I got promoted to a different role. So, all in all, my US taxable income for 2023 is pretty close to what I predict a full-year will be in 2024. I also did not contribute to 401K in 2023, but will in 2024, which should help for next year.