The biggest reason why I took my job down here in Florida was so I could provide medical insurance for my kids when my ex lost his job and thus his insurance.
First, it costs me just shy of $200 every two weeks in premiums. That works out to over $400 a month to simply carry insurance. Let’s say one of my kids has to go to the emergency room. That will cost me a $300 copay at the time of the visit and then my coinsurance amount will be billed to me. Of course while I'm sitting in the waiting room because my kid needs stitches, there will be dozens of people, for whom state insurance covers 100% of ER visits, using the ER as a doctor's office and waiting to be seen because they have the sniffles or a hangnail.