It depends a lot on where you live and what your driving history is... Some places, like where I live in Toronto, insurance is completely outrageous. A new male driver here with an inexpensive car will pay almost $500 a month for decent coverage. An experienced driver with a good history of 4-5 years will pay about $250 (numbers from my friends).
Move outside the city and rates will go down by over 75% in many cases though.
Metro DC, crowded, high traffic Loudoun County, I pay a combined $89/month, 2005 Jaguar + 2005 Town & Country. Bit over $1,000 a year covers the homeowners. It was half or less when I was in a rural area even with twice the count of vehicles and drivers..
In a good year, which has been nearly all of them, I see about $300 to $400 back as annual Seniour bonus and subscriber savings.
Time was, co-op & mutual health insurance among affinity groups was cheap for the same reason.
Many of those affinity groups who got together had very low average claims and didn't look to covering EVERY thing, only what we used to call "major medical".
It ain't the practitioners - Docs, Nurses, lab techs - who are taking all the money. The clerks don't even have to be rip-offs, either. There just happen to be in insanely high COUNT of them, then supervisors, Managers, Executives, Chairmen, and many major buildings to be paid for to HOUSE the lot of them as paper-pushing overhead to look at all the "rules".. and try to f**k them to best advantage of the parasites, required political donations, highest bill to the patients, least money left for the actual Doctors and Nurses.
Given this ain't a one-sided game, there then has to be a whole
triple-set of field-armies of clerks to figure out WHOM is going to pay for an aspirin, then re-submit the bill three different ways over a period of five months to make sure they didn't miss any Mike Foxtrot PAPERWORK opportunity to reap!
Naturally, this looks silly.
Some smart bastard might buy his own damned aspirin at Walmart?
So cheap pharma is
forbidden in favour of exotic pharma priced thousands of times higher to make it
look as if they actually DID something HARD, and even beneficial.
There might be another LAWSUIT! Why do things cost more in the USA? We spend more time and money in court over lawsuits than in research labs or surgery over medicine is why.
Which MEDICAL side of the equation is less and less beneficial where clerks and paperwork are driving the direction of treatment instead of brains and Medical Doctors..
All Trump's fault of course. Same as hangnail, hangovers, athlete's foot, beer that makes you piss, and wimmin with bad breath of a morning.
It was as perfect as can be and EVERYBODY loved it and had a great deal at low cost...until DJT came in.
Fucked it all up in fewer than four years.
For the F**KING THIEVES, anyway!
And you wnder why Pelosi & gang are in chronic insane rage?
DJT has been f**king up the "residuals" on their gold-plated MULTI-GENERATIONAL "family" criminal EMPIRE!