I have a discussion with my mother often. I tell her to keep a reasonable buffer of money in her bank account and then spend every single $ beyond that. Why? Because when she hits end of life, or even before then when she hits any number of inevitable age related issues, medical bills will take every penny she has and then go for more after that. My family pays even more a month than OP.

Healthcare is reaching for the point of neutrality where the value it provides exactly equals the cost they are charging. This is what happens when the only signal they get is a money related one. Nation after nation has shown that healthcare elsewhere can be better and far cheaper. Not perfect, but better and also not out of control. The real question isn't 'how do we fix healthcare' but instead, 'how do we remove the cancer in our system that is blocking the obvious fixes we see actually working all over the world'.