The monthly payment is a fairly meaningless question. I recently reshopped health plans in southern CA. For a family of four, different rates went from $700/mo to $2900/mo, but they all had different copays, different test, ER, hospitailization costs. Different deductibles, different allowances and disallowances for deductibles. Different out of network payments minimums and maximums. Different drug family costs. There is zero comparability.

Through United I was paying $1300 a month with a $5000 individual deductible for a family plan (only included routine pediatric dental). $80 specialist copays, $40 routine visits. ER care is only covered a certain % no matter what it is and there’s an additional $250 deductible just for walking into the hospital.

Still paid roughly $8000 out of pocket for a natural child birth and prenatal care.

It was so bad I took a full time job just for the insurance.

> ER care is only covered a certain % no matter what it is

Doesn't that mean if you're in a massive car crash and require a ton of surgery and many months in hospital you'll essentially be bankrupt?

... what a terrible way to live.

There’s an out of pocket maximum ($xx,xxx) that kicks in at some point I think? I’m honestly not entirely sure if that covers everything in an emergency... healthcare being a leading cost of bankruptcy is no joke. I don’t think the average person really understands how close they are to financial ruin.