From what I've read, it is the very nature of the beast (purely private, for profit health insurance) that causes the costs to be higher.
As I said in another comment, an earlier claim of "13 to 18 $K" for health insurance seems ridiculous, coming from a country where $6k gets top-level private insurance (to cover electives, get a private room vs shared, etc) on top of "free" health care) for a family.
From what I've read, it is the very nature of the beast (purely private, for profit health insurance) that causes the costs to be higher.
As I said in another comment, an earlier claim of "13 to 18 $K" for health insurance seems ridiculous, coming from a country where $6k gets top-level private insurance (to cover electives, get a private room vs shared, etc) on top of "free" health care) for a family.