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Lot of truth to this. Limo libs (or I guess range rover libs) and cons play a big role. They're fine starting wars for WS as long as they get a nice talk about how they are good people for being not racist or Christian respectively.
I spent my 20s and early 30s broke. Now I'm in the class you mentioned and, yeah, it's pretty great. While being broke/poor is very hard here.
However, I'd say while HC is a nightmare for lower income people, it's still a massive PITA when you have a few bucks.
E.g. recently got 3 referrals to specialists from my general practitioner. All 3 canceled on me for different bureaucratic reasons. I had to call my GP 3 times to get a call back about new referals... etc.
Finally got to a dermatologist to have a couple spots checked. They noticed some chest acne I didn't care about. Offered me drugs, ok sure... long story short, I realized they were upselling me in an attempt to get me to come back every 6 months forever to get new acne drugs, including antibiotics, at $140 a trip out of pocket.
I can see how they've built that practice into a franchise.
Hcare is insanely good a tad over your current "level" from what you describe. For example, you completly disregard out of pocket, in the sense that you fully expect to cap them every year anyway. And you pay them with tax-exempt income.
Upper middle class households start the year with (say) 4k max deductible and 16k max out of pocket for a family of 4 (employer-sponsored decent plan that qualifies for HSA). They account 4k as already spent, with HSA, so pre-tax (so more like 2.5k actual real dollars spent, less if the HSA is earning money which it supposedly is, all untaxed). They consider they will pay decent amount of copays.
They religiously cap HSA contributions every year they can as that's the golden tax exemption, triple lock: you contribute with pre-tax income, capital gains aren't taxed, and you take money out of it with no taxes (for healthcare).
There are 35M HSA, covering like double the amount of people. Most people just pay deductibles/copay with pre-tax income, some were smart/savvy enough to start accumulating in the HSA before the need to take out of it was guaranteed every year and they have like a roth IRA financed with gross income right there and they can sometimes pay deductible just with the (tax free) capital gains.
They get golden level treatment, accept any and all suggestions of extra exams and so on, so are treated far better by specialists, get very easy appointments almost never with a queue, single room if hospitalized and so on and on.
What americans in silicon valley with good plans get, here in Italy only a few politicians / VIP can get, unless they go full private and pay a gabazillion per day, and even in that case, only in a few places all across italy (or at that point you go to switzerland like many people with money do).
That kind of healthcare is either unavailable in most of europe locally even if you have the money, or costs like 50k++ per year. It is actually subsidized by the rest of the population in the USA, as the rest still pay insane insurance premia (either them or their employers), really high deductible and co-pay, and get shitty service more often than not on top of that.