My employer-provided insurance, I pay $106/wk. According to the required MA disclosures, my employer's portion for the year was ~$23,000 ($442/wk). If you go to the proper providers, it's a $0 deductible after copays.

What did this insurance get me? In December 2021 I had a blood clot in my shoulder. An ER visit and 3 inpatient stays later (8 days total, 4 procedures including thoracic surgery) racked up a ~$200k medical bill.

My total out of pocket: $1200.

This past year, even though our total rate went up by about $3k for health coverage (family plan), they ate the entire cost of it. That is like giving everyone a $1.50/hr raise across the board.

You can never have too much insurance. After an accident before the clot, I jacked up all my coverages including UIM to $500k; the cost to go up to that and even 1M from 100/300 was actually quite reasonable, a lot less than one would expect.