For a 30-day month, that's $16.77/hr to the worker plus $1.28 to SS/Medicare if you allow for 0 minutes of shift-hand-off, PTO/sick, etc.
How much less than $16.77/hr do we think that care should cost? (Note that Massachusetts has a $15 minimum wage. This care cost less than 12% over minimum wage.)
That being said the corruption in the us system is insane, insurance companies being protected by regulations against competition, big pharmas regulatory capture and media control, etc.
The answer is a more competitive marketplace, including non profits. Not a eu socialized model.
Honestly, if I lived well into my 80s and a last few horrible months was going to cost over $100K of money I didn't have to spend and eat up 2-3 peoples full time efforts, I'd probably just opt out.