The premiums are nowhere near that cheap. I have the best insurance policy my employer offers, where I have a $250 annual out of pocket max. I pay an additiona

The premiums are nowhere near that cheap. I have the best insurance policy my employer offers, where I have a $250 annual out of pocket max. I pay an additional $230/mo for the coverage over their base plan; I pay $900/mo to add my wife to the plan. I'm just one datapoint, and there may be better plans out there, but you're presenting an alternative that doesn't exist for 95% of Americans.