... everyone in the US deserves the socialistic, single payer health care I get from VA. Ms MFalls gets very good coverage for under under $400/monthly. They don't seem to deny anything. I pay nothing, except dental.

disclosure: the missuses insurance is though United Healthcare.

A month to $900 and something a month. Taking her promotion bump and more.

She is around 28.

Helped her with family of 4. She is married with two kids 4 & 2.

https://nolabels.org/the-latest/how-members-of-congress-get-their-health-care/

That's where the problem lies. Any of us getting insurance through our employer is likely getting a major chunk paid for, something in the range of 70-85%. So congresspersons and their staff on the ACA plans are getting that employer share while the average ACA user isn't. And those of us on employer plans are seeing a smaller premium rise than if we were footing the entire cost directly.

I have Blue Cross for most things and Humana for dental. All of which is to say virtually no coversge at all. I have to pay for everything out of pocket, submit it, and then hear why it isn’t covered. Occasionally, I’ll get a check for $183.69 for $1200 worth of costs. But usually nothing. But when I changed my legal residence to Germany, I was told I only qualified for what is called “Privat” health insurance, which was quoted to me at €30,000, or about $35,000 a year, and that was over 13 years ago. It would be way more now. Since I don’t think I have had $50,000 in health care bills since then, I am WAY ahead of that game.

On the other hand, my wife, a German citizen living in Germany, lost all health insurance when she took early retirement at age 60. I sprang in from age 60 to age 65 with a sort of German version of COBRA. Good thing, too. At age 64, she was diagnosed with a rare “always fatal” form of cancer. Due to a chance extremely early detection, a top expert team of oncologists, and their clinic being coincidentally being in Düsseldorf, she was that “one in ten thousand” that beat it. It usually kills within 6 to 18 months of detection. This year will mark her tenth year of being cancer-free. Her COBRA-like coverage covered everything, so, the €550 per month was well worth the cost. At 65, her German version of Medicare kicked in, and, as opposed to ours, it covers practically everything. No part A, B, C, D, X, Y, Z or any of the letters Dr. Seuss covered in “On Beyond Zebra.” Had I not bought her coverage, we would have been on the hook for for well into six figures in costs. The “everything is free in Europe” line is a myth, and there is no universal coverage in Germany. There are always hundreds of thousands of people with no coverage at all. As a German social worker, my wife worked with many of them.

Over a rolling 12 month period the most you can pay is:

Around $158 USD (at current FOREX rates) max per 12 months per adult (children are cheaper or even free) for all healthcare ie doctor and or hospital visits. Once you hit the limit the rest of the 12 month period is free.

And

Around $316 USD max per 12 months per adult (children are cheaper or even free) for all meds/drugs, and many, like insulin, etc, are often free. Once you hit the limit the rest of the 12 month period is free.

So the total max cost for all care, all meds per 12 months per adult is $474 USD. That works out to $39.50 USD per month per person.

We (wifey and I) have never hit the limits for either healthcare or drugs in the 8 years we have lived here in Sweden (as our main country of residence) after moving from London.

The US heathcare system (with the profit motive at its beating heart, its bedrock core) is the biggest wealth extraction/transfer scheme in human history.

Tens of trillions of US dollars in extracted profits/wealth will flow upward from the broad base to the top of the pyramid over the next couple of decades, and have already done so over the past several decades.

They are very cheap. They won't cover any pre-existing conditons. They are not ACA compliant. BUT - they will cover any new conditions which occur between now and whenever subsidies are reinstated. I used them for 3-5 years before the ACA was adopted, when my pre-existing conditions (and the fact that my marriage was not legally recognized) kept me from obtaining market-based or employer-based insurance.

https://www.ehealthinsurance.com/short-term-health-insurance