While you're being downvoted, as someone in the US, I have to let everyone know: He is right. If you buy your own insurance, and pay low premiums ($3600/yr in his case), you can expect to get deductibles of $10K.

And this is where it is unfair: If I am fairly wealthy (e.g. earning $150K/year in a not expensive city), then this is very affordable. However, someone earning $100K in the same city will pay the same premium - it'll hurt their wallet a lot more than mine. $100K will not get anyone government subsidies.

With tax-funded health care (as in Europe), the burden isn't on the poorer person, but on the richer one.