This is true for people in the middle to the bottom of the pay spectrum in the US. From experience where insurance paid ~1 million for a significant healthcare expense and my out of pocket was $4k -- when you are in a field with such a low unemployment rate and generally good benefits, it's a non issue. The month premium we pay is a non-issue. The maximum out of pocket is a non-issue.

That being said, the way healthcare is paid for in the US is complete garbage for basically everyone that doesn't have that same (more or less) guarantee of employment (with benefits) and is a huge problem. It just isn't for upper middle income (and above) workers.

Same with college. In my experience most SW engineers in the US make enough money to drop money in some kind of investment account for their children monthly so that college isn't so burdensome unless their children go to the absolutely most expensive places or they have a ton of kids.

Again, it's the people in the middle and bottom that are getting screwed. The top 20% of earners in the US come out ahead i think.

EDIT: I'm not advocating this as a positive thing or anything, just noting that I think SW engineers in the US have a pretty good gig compared to many other people both globally and at home.