The startup I started working for has a fake health plan,(no network, prior authz and reimbursement issues for everything serious). So I just priced our family of 4 for rudimentary PPOs on the BCBS in our state. Our COBRA offer was 2400, ACA Individual market was 2200-3300, Small group plan thru my wifes LLC was 1700-3000. These plans mostly have 6-8k deductibles and out of max out of pocket $17k.

So I guess if you have a serious condition its post tax $40k/year until bankruptcy or death. How are you supposed to earn an extra 40k if youre not healthy enough to work. This is actually an insane system!