Sending your kids to school all the way up including university costs about ~€10K per kid in Europe. How much would it cost in the US? ~$150K? I think that would make up another large chunk of price difference.

And: it’s available for every parent. Not just those in nice tech jobs.

But you won’t be 30 and healthy forever. Medical costs skyrocket with old age, at a scale that can easily make your 100k/year savings irrelevant.

800$ is the nominal price. Real price is the fact that it is not tied to your employer, particularly your employers’ negotiation power with the insurance company. Which in turn increases your negotiation power as an employee. Not only for pay, but also other non-priced issues like quality coworkers, meaningful job etc.

In Sweden it's almost free.

You pay as you go with ceilings of around 100$ for medicines and 100$ for doctor visits, kids are free.