1. Accommodation prices seem about the same where I live.
2. I work 40 hours a week too
3. 20 minute bus ride for me so no "2 hour commute".
4. 120,000 CHF for a senior? I make over 200,000 and I have less than 4 years of experience. That would be a huge pay cut.
5. 35% income taxes + state? This is just blatantly false as effective federal income tax rate doesn't hit 35% until over a million. I for example paid just 22% in federal income taxes including social security and medicare.
6. My biweekly copay is just $50. Granted, I am on a high deductible plan but the deductible is only 1300 with a max out of pocket limit of 2600 a year and I have a health savings account which allows me to save/invest 100% tax free income for health care spending.