My parents at a few years older than you get bronze HSA PPO at ~$2k per month for both with a $13k oop max and a $5k or something deductible.
The thing about health coverage is that you either pay via your premium or via deductible/oop max, but there is no escape. The health insurance is there to protect you from losing your assets from costs over the out of pocket maximum.
Since you’re in mid 50s, even the astronomical amount you pay is actually being subsidized by younger people, since your premium is capped as a multiple of someone in their young 20s.
Otherwise, you’re real health insurance premium would be even higher. That’s just how expensive healthcare is in the US, and how guaranteed you are to needing it as you get older.
The thing about health coverage is that you either pay via your premium or via deductible/oop max, but there is no escape. The health insurance is there to protect you from losing your assets from costs over the out of pocket maximum.
Since you’re in mid 50s, even the astronomical amount you pay is actually being subsidized by younger people, since your premium is capped as a multiple of someone in their young 20s.
Otherwise, you’re real health insurance premium would be even higher. That’s just how expensive healthcare is in the US, and how guaranteed you are to needing it as you get older.