>I have friends in the US who pay thousands a month for health insurance premiums. This sounds like an entire family with a higher-level plan, correct? Higher-

>I have friends in the US who pay thousands a month for health insurance premiums. This sounds like an entire family with a higher-level plan, correct? Higher-level plans have correspondingly reduced out-of-pocket maximums, to the point where the out-of-pocket maximum can be as low as $2000/year — so your premium is nearly your entire spending.