You missed this critical part “you easily make enough money to…”

If you are making >$250K year, an extra $2500/month is not a significant bump. Especially as it is temporary while you are between jobs. Temporary could even be a year or longer.

Factor that cost into your emergency savings and draw down when you need to. You still end up massively ahead of a developer outside the US.

I am not endorsing the US system - it is objectively garbage. But the point is that the pay difference more than makes up for the downsides in healthcare.