> Then it claims medical costs of $2,890. For a fit individual with good employer-provided health insurance, that figure should be almost zero.

No, it won't be almost zero because they're including health insurance premiums in that figure. Few jobs in the US cover 100% of the premiums for their employees.

>> The cost of health care is composed of two subcategories: (1) premiums associated with employer-sponsored health insurance plans and (2) out-of-pocket expenses for medical services, drugs, and medical supplies.