As things are now, with US healthcare being out of control on costs, it depends heavily on your salary and employment context.
If you're making eg $150,000 or $200,000 in SF or NYC and working for a stable company, an additional $500-$600 per month for the company isn't nearly the concern versus if you're working in Cleveland earning $75,000.
If you're with a decent company with good benefits, it's also not an unusual situation more generally speaking. Half the country receives its healthcare benefits from an employer. Companies in the US are used to forking over very high costs for healthcare benefits. It's an accepted cost of employing people here. Being unemployed at 55 in the US, with weak savings (can't bridge yourself to the next job) and struggling job prospects, is a very serious problem however. That's the sort of situation you want to avoid in the US.
If you're self-employed the healthcare costs can be a real killer also, obviously unless you earn enough to offset it properly. As a very young entrepreneur I simply went without healthcare coverage. I was fortunate to not have any meaningful health problems in those years, it's blatantly a serious risk to take.
If you're making eg $150,000 or $200,000 in SF or NYC and working for a stable company, an additional $500-$600 per month for the company isn't nearly the concern versus if you're working in Cleveland earning $75,000.
If you're with a decent company with good benefits, it's also not an unusual situation more generally speaking. Half the country receives its healthcare benefits from an employer. Companies in the US are used to forking over very high costs for healthcare benefits. It's an accepted cost of employing people here. Being unemployed at 55 in the US, with weak savings (can't bridge yourself to the next job) and struggling job prospects, is a very serious problem however. That's the sort of situation you want to avoid in the US.
If you're self-employed the healthcare costs can be a real killer also, obviously unless you earn enough to offset it properly. As a very young entrepreneur I simply went without healthcare coverage. I was fortunate to not have any meaningful health problems in those years, it's blatantly a serious risk to take.