I guess I'm one of those lucky union local government employees. When I had my surgery at U of Penn in 2015 I paid $0.People like to rave about US health care. In the US almost all companies require you to pay a part of their premium. The exception is usually federal or local governments and some unions provide no-premium or no-deductible coverage (very rare)For a typical family I have seen that portion be several hundred $$ a month. And then you generally have copays which (in many plans supporting Obomacare standards) usually means you pay 100% of the insurance negotiated cost up to a deductible and for me and my wife this year is is $1900 each this year. So when you think about it before insurance kicks in we have paid probably $2500 in premium and $3800 out of pocket each year. If we had kids it would be higher.
And we like to brag about your choice of doctor which is only partially true. Sure I can pick my doctor most times, but the lab or facility that does procedures may or may not be "in-network" and if they are not, those are higher and separate deductibles. Oh and call an Ambulance and most are not in network with any insurance carrier.
When I go to my doctor if I need blood work I need to go to a lab as the doctor's blood work people are with a company not in-network.
The people that brag about the US Health Insurance systems usually have not used it extensively.
That said when I had my OHS 2 years ago my total out of pocket was $5000 (not including premiums) after that everything else that year was $0. But think about it, to get to $5000 out of pocket I had to pay the first $1500 (that's years deductible) then 20% of the remaining bills until I paid $5000.
One of the main reasons I went to Cleveland Clinic was the excellent reputation, but the second benefit was they were a single biller facility. All doctors work for them, so I got one itemized bill. Most hospitals do not work that way. You get a bill from hospital, DR, anesthesia, etc. Heck my Colonoscopy last month has at least 4 bills I get (DR, anesthesia, the clinic and pathology). A very inefficient and wasteful systems.
ObomaCare costs are usually higher form similar coverage or cost less with less coverage. I have no clue how a young family with kids survives on minimum wage or even $50K a year.