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Discussions, post-mortems, analysis, inflated egos, and all that jazz.
In the US, the minimum package costs around $200 per month, which guarantees you a minimum coverage of $30,000.
Even when health insurance costs $500 per month, it doesn't cover 100% of all expenses; if you get sick and end up in the hospital for even a couple of days, you'll have to pay $2,000-$3,000 out of pocket (copay). Insurance costing $200 per month covers much less; if you end up in the hospital, you'll pay at least $4,000-$5,000 (copay) for those same two days and will fully pay for all other routine services until the amount reaches, say, $2,000 (deductible). And only above this threshold will the insurance cover part of your expenses... Don't talk nonsense; there are plenty of texts online describing the horrors of the anti-human, thoroughly corrupt healthcare system in the US. Removing the appendix costs $50,000. In Russia, it's free; in a private clinic, it's 20,000 rubles. Compare: a local MRI costs $7,000 and 3,000 rubles! Emergency care costs $3,000, a hospital stay costs $5,000 per day, etc. Those measly $30,000 is hypocrisy bordering on mockery.