When I worked for Verizon back in the day I had great health insurance and had very little out of pocket payment. Right now as I am self employed I pay $1400 a month in insurance for me the wife and kid (all three allegedly work for me so its a tax write off), having just spent the last 7 weeks ill with Covid and all the treatment and medication I have had for that I'm probably looking at about $1,500 out of pocket for mine and the wife's treatments. While I accept that not paying an insurance premium directly with the NHS is a better way, I've had very few gripes with the American health services. Care is every bit as good as the NHS, not waiting for elective and non-emergency stuff is better and referrals take days not weeks.If you get a job insurance will be through your company. If self employed, you need to buy, but in saying that you pay NI in UK, so cost of insurance is pretty comparable to what you pay in NI contribution.