Just to clarify (non-US citizen here) - you pay $1300 per month for health insurance that covers just 2 people? Is this a maxed out policy that covers pre-existing conditions or is this just 'normal'?
As a young, healthy, single, nonsmoker adult male insurance ranges between $220-$450/month depending on the quality of insurance.
Edit: Laws passed in the last decade declare all insurance plans must cover preexisting conditions and cannot adjust the price or decline customers based on preexisting conditions.
That's normal, but overall not a large percentage of people are actually paying that: people with salaried jobs are typically insured through their employer (where they often end up paying a smaller percentage), the lowest earners are on medicare or subsidized insurance plans.
