Earlier quoted context omitted.
$1000 - $1200 per person per month? I know some consultants who can’t find health insurance that cheap. Are those high deductible plans?
The pre-ACA rate was $250/month for one working person. ACA plus inflation doubled that to $500/month, which is out of the reach of flyover country blue-collar wages. For planning purposes, use $500-$1,200/month for a young single person now. Historically it goes up around 20% per year, so I'm sure HN readers can do the Rule of 72 in their heads and realize where this is going.
Health insurance premiums for HDHP should be around $500 at most for a young person in the highest cost of living areas of the US.
As a reference, these are the monthly premiums in NJ:
https://www.state.nj.us/dobi/division_insurance/ihcseh/ihcra...