[danans]

When group health insurance is provided in the US, employers and employees usually split the cost of insurance premiums. Both employers and employees can treat their premium portion as a tax deductible expense.

Additional copays and out of pocket expenses are completely on the employee.

[np-]

Even some of the worst possible HDHP plans that employees can get have a max out of pocket of $10k/yr (pre-tax) with HSA. So you can say in the worst case OP makes $400k and pays $10k in insurance if he has some major health issues to be addressed. Or maybe just say he makes $390k and has totally free insurance? Even if he’s spending something ridiculous like $50k/yr on a family of eight’s insurance he’s still way better off.

[danans]

Yes, affording health insurance is not much of a concern for someone making 400k/yr. The financial concerns faced by the vast majority of people are never experienced by someone in that privileged a situation.

It's a much bigger story for people make closer to the median income.