The average American pays 10% of his income on healthcare expenses. [1] That would mean it would be around $5,000/year. The US charges maybe $30,000 more for college than some cheaper countries. With two kids, that's maybe $1,500/year amortized over a career.

Those aren't going to be worth it for the average person unless you live in Norway, Luxembourg, or the UAE. I doubt there's any country where those outweigh the average programmer salary difference, let alone after taxes. Even if you have a serious health condition and crappy health insurance, deductibles cap out at $7,000/year.

[1]: https://www.advisory.com/daily-briefing/2019/05/02/health-ca...