I give up on America.

Basically under Obama care you can be covered by your parents insurance until 25. This means that your parents can elect to pay (or work out some under the table deal with you) for your health insurance under whatever plan they have. Before Obama care the cap was either 22 or 23 (idea being that when you graduate college, you have to get your own insurance) before you had to start paying yourself. Personally I pay my own health insurance through my school, which runs $1601 a year, which is really cheap despite being a 24 year old in great shape that doesn't smoke. I've never had to use my insurance thankfully, so I'm not 100% on everything it covers. However, I do know that I have a $35 copay for regular visits, and $100 copay if I have to go to the ER. This means that whatever that visit costs I only pay that amount, and the insurance picks up the rest of it. No with this my normal copay would go up if I don't go to a hospital on a list of "preferred providers". Now, because Aetna (a really big insurance company) is behind my plan, the list of hospitals is pretty big, so it's not a huge issue, but it would be an issue for smaller or more localized insurance companies.

In addition to all that, there's extra copays for different things I may need to get done at the hospital (ie, $10 xray fee, $15 lab fee, etc) and a cap on how much they're willing to pay before I have to pay for the rest of it. Further, if I have a hospital/intensive care stay or a follow on visit with a specialist, they're only going to pay 80% of that cost, if I use their preferred list (50% if I don't), and I would pay the difference. Amazingly (most policies don't cover this) they pay for 100% of ambulance costs, which are rather expensive. In terms of therapy (physical therapy, speech therapy, etc) I get between 20 / 36 sessions per annum, at no expense to me other then the copay. There is a lot of different charges for different types of procedures, but generally they pay 80% of the bill as long as I use a facility on their list.

Now once I'm no longer a student I'll have to get insurance through my employer (even if employers don't pay for your insurance, generally in salaried positions they have agreements with health care providers to offer different packages to their employees) or by myself. This will be a lot more money then what I pay now (for me it's between $33-200 a month, but again I'm a healthy young male with no history of health complications and no dependents), but I would get a lot better copays, rates and caps.

Not sure if you guys can see this, as I had to login to get to the page, but here's the brochure for my plan if you guys want to learn a little more about how American health insurance works:
https://www.aetnastudenthealth.com/schools/ArizonaState/brochure1112.pdf
The information on copays and caps is on pages 14-20

I see, so wouldn't you rather not have to worry about all that? Even if taxes and to be increased on you $1500 (which is virtually unheard of.) You would still be saving $100 a year.

Usually it's separate, but on my plan I get basic dental work.

Oh I'm a firm believer in universal healthcare. It's borderline sickening to me that the most powerful nation the world has ever seen doesn't provide this basic function for its citizens