A lot of it depends on what insurance you have and what insurance you have depends on who you work for.

I had EXCELLENT coverage with Kaiser Permanente, and other than a couple of hundred dollars a pay check and an in-office co-pay for treatment, I never had a bill.

When I had my heart attack, the Emergency Room was $150. 8 days in the hospital and open heart surgery from the head of the department was $100. The prescriptions and all the oxygen bottles I could carry was $100.

4 weeks into recovery, my company got bought. :( The new company didn't do Kaiser in Oregon. If I lived in California or Washington, I would have been fine, not Oregon.

So they switched my insurance to Aetna which meant I lost all of my doctors and had to start over at a new hospital. Kaiser is members only and I was no longer a member.

Naturally I started having complications, congestive heart failure. That was an ER visit followed by 7 days in the hospital.

Under the new insurance, they start by paying 80% and there is an out of pocket maximum of $6,500. Once you pay that, all other treatment is free the rest of the year. No co pays, nothing.

So I hit my $6,500 about 1/2 way through January. Goodbye signing bonus! But all the other complications I had the rest of the year were covered 100%.

Now... if I had NO insurance? 15 days in the hospital x 2 hospitals? Open heart surgery? All the tests and such? 24 oxygen bottles? A million dollars, maybe more?

I forget what count is taken out of my check every 2 weeks, I think it's like 50 bucks for vision/dental and my work actually fully covers medical?

Went to the ER 2 months ago due to severe dehydration because I was puking and having diarrhea everywhere almost as badly as when I was e. Coli poisoned. 2 hours in a chair getting a saline drip cost 2750ish, plus the ambulance ride of something like 3200? Wife got the special pass thing they sell for $100 that comes with 3 rides a year if you're in our county, so we only had to pay 100 for the ride but still.

Just shy of 6k to be rehydrated and told "lol no idea what caused it buddy come back during normal hours and we'll scan you" as my wife had been in earlier that day for the same issues, gotten an MRI (cat or whatever scan it is) and got told "lol idk", but her insurance covered it completely

We could do it cheaper if we did it like any other civilized country but nope, it makes someone money

I pay 9.79$/month for medical only, pre-tax, myself only on the plan, working for a mental healthcare nonprofit. My medical copays have been free lately for routine office visits. I have to get labs done 4 times a year for the meds I take and those have all been free so far. Because they’re classed as “preventative” to make sure nothing goes wrong with the meds, it’s free 🤷🏽‍♂️. Non preventative things have a 2000$ deductible, so I have to pay that much before medical care for the calendar year becomes free to me. That means that if I get sick in December, I have to pay 2000$to cover for December and again in January to cover for the next year.

Dental coverage is free. I pay 40$/visit as a copay for cleanings and all else (if I’m not in perfect health) I pay 30% of that bill. Recently I had periodontitis and my bill after treatment was 600$.

I pay $50/mo and then $25 for appts and $50 for ER visits.

mine is decently inexpensive through Obamacare, and I'm in a low enough income bracket. but it still isn't ideal, I needed a sleep study. with or without my insurance it was going to cost $1,000 so I just never had it