Yearly premium liability: ($950/month)*(12 months/year)= $11,400/year
Out-of-Pocket liability: $9,000/year
So, the minimum healthcare liability that I theoretically have in the US (which is never the case for me), every year, is:
Yearly Premium Liability + Out-of-Pocket Liability = $20,400/year
However, I also have other uncovered medical expenses, encountered thanks to insurance issues. I literally generated well over 100 claims per year on medical insurance alone, so it was not like I never had uncovered expenses. Obviously you fight it, and you never give up, because that is what the providers expect you to do. However, there are a lot of situations that are just unwinnable.
In reality, my yearly healthcare liability in the US was closer to $30,000/year.
I had the opposite experience. I found US health insurance reasonable and it covered more than in my original country (which didn’t cover the latest cancer treatments and had long waiting lines). If I got seriously ill and had good insurance I’d return to the US for care than stay where I am today in a developed country.
I work outside of tech for a Fortune 500 and my premiums are $1200 per year with a max OOP of $2500.
Unless a plan is grandfathered in, the ACA limits OOP to ~$9k per year.
https://www.healthcare.gov/glossary/out-of-pocket-maximum-li...