This sounds sketchy. Just to be curious, which company is it you're working with? Did you get a referral bonus? Also, I would mention to this recruiter the inequalities that you have noticed between your friends package and the one you have received. I must say the advertisment of free health insurance when it's at a price is borderline unethical. I like to find one or two reputable companies and pick one recruiter at each company who I feel comfortable with.