Not bogus in NJ:

https://www.state.nj.us/dobi/division_insurance/ihcseh/ihcra...

Kaiser is an exception and is only available on the West coast. And maybe a little bit in VA.

Either way, the point about needing a ton of money for healthcare is valid. It’s a race to get to Medicare age before you get hit with a medical problem.

Edit: Here's the data for nationwide for a 40 year old. Based on the NJ pdf above, you can double the premium to figure out the cost for someone in 50s to 60s.

https://www.kff.org/health-reform/state-indicator/average-ma...

Edit: I just noticed you were claiming someone earning $50k won't pay $25k in health insurance premiums, which is right. I did not know that premium tax credits only took into account annual income.

I’m in Georgia and Kaiser’s website says there are 26 locations throughout Metro Atlanta.

Here's a list of all the places Kaiser offers healthcare, and it doesn't apply to most people in the US, so I don't consider it relevant for a discussion about healthcare costs for people in the US as a whole.

https://healthy.kaiserpermanente.org/doctors-locations

OP said they work for FANG and they are likely in California or Washington. It’s very relevant.