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1. Good insurance is unavailable to many, many people in the US.

2. Good insurance is extremely expensive. If your premiums for good insurance are low, that just means your employer is paying a lot. I don't see much substantive difference between paying high premiums and paying high taxes.

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How much does good insurance cost?

Anecdata: most of my employers have offered good (but not the best) insurance. If you didn't use it, the employer and employee contributions together were probably something like $10k-$15k. If you did use it, the employee contribution would be capped at something like $20k-$30k, but the employer contribution would be uncapped. Somewhat famously, the CEO of AOL (?) talked about spending $1,000,000+ on an employee's neonatal care.

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