The reality for people with a well paid white collar job or a union or that work for the government or a non profit or in healthcare is that everything is fine.

The reality for people with a well paid white collar job or a union or that work for the government or a non profit or in healthcare is that everything is fine. The employer pays for 100% of the premium. With insurance like Kaiser you pay your copay and that is all. Everyone at Kaiser in network, most directly employed, no surprise billing. Pre auths are easy when everything is in network. Your out of pocket max is as low as $2k.